Housing Hasn't Seen This Since 2008! | Melody Wright

Melody Wright joins the show to discuss the brewing housing crisis as Google searches for "help with mortgage" hit March 2009 levels. Wright explains how government intervention through forbearances and modifications hasn't prevented rising mortgage distress, while property taxes and insurance costs crush homeowners. The conversation covers institutional buyers going underwater, the misconception that more housing supply will solve affordability issues, and Wright's cross-country tour documenting vacant mega developments. They explore real estate as a flawed store of value compared to Bitcoin, debate whether rates or prices will fall first, and discuss new FHA guardrails taking effect in October. Wright warns of coming foreclosures and argues for local solutions over federal bailouts.

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0:00 - Intro
1:33 - Mortgage Crisis Signals Return
3:50 - Affordability Crisis & Government Lending
8:08 - Housing Costs vs Bitcoin Store of Value
16:01 - Bitkey & Unchained
17:42 - Supply Myths & Melody's Housing Tour
29:18 - Obscura & SLNT
31:31 - Historical Cycles & Auto Crisis Leading
40:27 - Opportunity Cost
41:11 - Bailouts vs Generational Solutions
54:34 - Bitcoin Innovation & Local Community Focus
1:05:45 - FHA Changes & Rising System Costs

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