Housing underbuilding weakens wealth building
Michael Neal
Insufficient single-family construction limits ownership gains, disproportionately affects Black households’ ability to build wealth
Insufficient single-family construction limits ownership gains, disproportionately affects Black households’ ability to build wealth
Reviving the existing rules could channel more distressed homes to families instead of to large-scale investors
Shifting focus from volume to value can dramatically increase income without working longer hours
As traditional lending tightens, flexible cash flow metrics are helping experienced investors compete and execute with greater certainty
Lenders using swap futures aligned to prepayment expectations to reduce sensitivity to rising rates
Federal actions on financing, zoning and Opportunity Zones could unlock wider use of manufactured homes nationwide
The transition out of a slowdown is the perfect time to strengthen resilience, mindset and long-term strategy
From rescue deals to client trust, success requires expertise, emotional discipline and relentless follow‑up
Race-conscious credit policy remains central to closing the nation’s persistent homeownership gap
Lenders have adopted point solutions and digital portals, but fragmented workflows and compliance demands still prevent meaningful savings gains
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