From 5e0fc527ca982e7eb40a4c0f14165b22fc1cfd66 Mon Sep 17 00:00:00 2001 From: Ashli Huot Date: Wed, 20 Aug 2025 09:45:17 +0300 Subject: [PATCH] Update 'Rent, Mortgage, Or Just Stack Sats?' --- Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md | 59 ++++++++++++++++++++++++++++ 1 file changed, 59 insertions(+) create mode 100644 Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md diff --git a/Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md b/Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md new file mode 100644 index 0000000..0d27a65 --- /dev/null +++ b/Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md @@ -0,0 +1,59 @@ +[questionsanswered.net](https://www.questionsanswered.net/autos/nissan-frontier-vs-ford-ranger-midsize-truck-fits-lifestyle?ad=dirN&qo=paaIndex&o=740012&origq=realestate)
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- Keep your crypto and get liquidity. +- Compare rates and get funds in minutes. +- Use BTC, SOL, ETH, and more as security for a loan.
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Rent, mortgage, or [simply stack](https://newyorkmedicalspace.com) sats? First-time property buyers hit historical lows as Bitcoin exchange reserves shrink
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Share
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U.S. family debt just struck $18T, mortgage rates are brutal, and Bitcoin's supply crunch is magnifying. Is the old path to wealth breaking down?
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Table of Contents
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Realty is slowing - quick +
From deficiency hedge to liquidity trap +
Too lots of homes, too few coins +
The flippening isn't coming - it's here +
+Realty is slowing - quickly
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For several years, genuine estate has been one of the most dependable ways to construct wealth. Home values normally increase gradually, and residential or commercial property ownership has actually long been thought about a safe financial investment.
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But right now, the housing market is showing indications of a unlike anything seen in years. Homes are sitting on the market longer. Sellers are cutting rates. Buyers are struggling with high mortgage rates.
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According to recent data, the [average](https://thani.estate) home is now costing 1.8% listed below asking price - the biggest discount in nearly two years. Meanwhile, the time it takes to sell a normal home has stretched to 56 days, marking the longest wait in 5 years.
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BREAKING: The typical US home is now costing 1.8% less than its asking cost, the largest discount in 2 years.
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This is likewise one of the least expensive readings because 2019.
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It current takes an average of ~ 56 days for the typical home to sell, the longest period in 5 years ... pic.twitter.com/DhULLgTPoL
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In Florida, the slowdown is a lot more [noticable](https://zawayasyria.com). In cities like Miami and Fort Lauderdale, over 60% of listings have stayed unsold for more than two months. Some homes in the state are costing as much as 5% below their sale price - the steepest discount rate in the country.
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At the same time, Bitcoin (BTC) is becoming a progressively appealing alternative for financiers looking for a scarce, valuable property.
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BTC recently hit an all-time high of $109,114 before pulling back to $95,850 since Feb. 19. Even with the dip, BTC is still up over 83% in the past year, driven by rising institutional demand.
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So, as realty ends up being harder to offer and more pricey to own, could Bitcoin emerge as the ultimate store of value? Let's discover.
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From shortage hedge to liquidity trap
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The housing market is experiencing a sharp slowdown, weighed down by high mortgage rates, inflated home costs, and declining liquidity.
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The typical 30[-year mortgage](https://ninetylayersreal.com) rate stays high at 6.96%, a plain contrast to the 3%-5% rates typical before the pandemic.
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Meanwhile, the median U.S. home-sale price has increased 4% year-over-year, however this boost hasn't equated into a stronger market-affordability pressures have actually kept [demand subdued](https://astroproperties.com).
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Several key patterns highlight this shift:
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- The typical time for a home to go under agreement has actually jumped to 34 days, a sharp increase from previous years, signifying a cooling market.
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- A complete 54.6% of homes are now selling listed below their sticker price, a level not seen in years, while just 26.5% are offering above. Sellers are increasingly forced to adjust their expectations as buyers get more leverage.
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- The mean sale-to-list price ratio has fallen to 0.990, reflecting stronger buyer negotiations and a decrease in seller power.
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Not all homes, however, are affected similarly. Properties in prime places and move-in-ready condition continue to bring in buyers, while those in less preferable locations or needing restorations are dealing with steep discounts.
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But with loaning expenses rising, the housing market has actually ended up being far less liquid. Many prospective sellers are unwilling to part with their low fixed-rate mortgages, while buyers battle with higher monthly payments.
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This lack of liquidity is an essential weakness. Unlike Bitcoin, which can be traded 24/7 with near-instant execution, realty transactions are sluggish, pricey, and often take months to settle.
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As financial uncertainty lingers and capital seeks more efficient stores of value, the barriers to entry and sluggish liquidity of realty are ending up being significant disadvantages.
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A lot of homes, too few coins
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While the housing market deals with rising stock and weakening liquidity, Bitcoin is experiencing the opposite - a supply capture that is sustaining institutional demand.
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Unlike realty, which is influenced by debt cycles, market conditions, and ongoing development that expands supply, Bitcoin's overall supply is permanently capped at 21 million.
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Bitcoin's absolute shortage is now hitting surging demand, particularly from institutional financiers, strengthening Bitcoin's function as a long-lasting store of value.
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The approval of spot Bitcoin ETFs in early 2024 triggered a massive wave of institutional inflows, considerably shifting the supply-demand balance.
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Since their launch, these ETFs have actually attracted over $40 billion in net inflows, with financial giants like BlackRock, Grayscale, and Fidelity managing most of holdings.
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The need surge has soaked up Bitcoin at an extraordinary rate, with everyday ETF purchases varying from 1,000 to 3,000 BTC - far going beyond the approximately 500 brand-new coins mined every day. This growing supply deficit is making Bitcoin significantly limited in the open market.
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At the exact same time, Bitcoin exchange reserves have actually dropped to 2.5 million BTC, the lowest level in 3 years. More investors are withdrawing their holdings from exchanges, signaling strong conviction in Bitcoin's long-term potential rather than [treating](http://trinirent.com) it as a short-term trade.
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Further [enhancing](https://ibiolavilla.com) this pattern, long-lasting holders continue to dominate supply. As of December 2023, 71% of all Bitcoin had stayed unblemished for over a year, highlighting deep investor commitment.
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While this figure has a little decreased to 62% since Feb. 18, the broader trend indicate Bitcoin ending up being a progressively tightly held possession in time.
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The flippening isn't coming - it's here
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As of January 2025, the median U.S. home-sale cost stands at $350,667, with mortgage rates hovering near 7%. This combination has actually pressed month-to-month mortgage payments to tape-record highs, making homeownership progressively unattainable for younger generations.
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To put this into point of view:
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- A 20% deposit on a median-priced home now exceeds $70,000-a figure that, in many cities, surpasses the overall home cost of previous years.
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- First-time property buyers now represent simply 24% of total buyers, a historical low compared to the long-lasting average of 40%-50%.
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- Total U.S. household debt has actually surged to $18.04 trillion, with mortgage balances accounting for 70% of the total-reflecting the growing monetary concern of homeownership.
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Meanwhile, Bitcoin has actually outperformed property over the previous decade, boasting a substance yearly development rate (CAGR) of 102.36% since 2011-compared to housing's 5.5% CAGR over the exact same period.
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But beyond returns, a much deeper generational shift is unfolding. Millennials and Gen Z, raised in a [digital-first](https://www.dominicanrepublicrealestate.org) world, see traditional financial systems as slow, stiff, and outdated.
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The idea of owning a decentralized, borderless asset like Bitcoin is far more enticing than being tied to a 30-year mortgage with unpredictable residential or commercial property taxes, insurance costs, and maintenance expenditures.
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Surveys recommend that more youthful financiers significantly prioritize financial flexibility and movement over homeownership. Many prefer renting and keeping their assets liquid instead of dedicating to the illiquidity of property.
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Bitcoin's portability, day-and-night trading, and resistance to censorship align completely with this frame of mind.
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Does this mean [property](https://balimecca.com) is ending up being obsolete? Not totally. It stays a hedge versus inflation and a valuable property in high-demand areas.
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But the inadequacies of the housing market - combined with Bitcoin's growing institutional approval - are improving financial investment choices. For the first time in history, a digital possession is competing directly with physical real estate as a long-term store of worth.
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