EDUCATION LIBRARY
Library: Buying a House
Library: Cost of Ownership
Library: Financing & Affordability
- What is equity?
- Using acclerated amortization to pay off a home loan
- Rental parity and beyond
- FHA financing and loan assumption
- Debt-to-income ratios strongly impact house prices
- High debt-to-income ratios equal high default rates
- Mortgages are like call options on stocks
- Affordability and its impact on house prices
Library: Property Valuation & Investment
- Speculation or investment?
- Rental parity and beyond
- The cash value of real estate explained
- Property valuation reports
- Investor reports
- Real estate, cashflow investment and retirement
- The folly of negative-cashflow investment
- Contrarian investing and the psychology of deflation
- Buy Las Vegas real estate
Library: Strategic Default
- Should you walk away from home debt?
- Walk away from mortgage debt to secure your children’s future
- The weak case against strategic default
- Strategic default consequences minor and likely to decrease
- Strategic default is merely collecting on home price protection insurance sold by lenders
- Strategic default is moral imperative to prevent future housing bubbles
- Widespread strategic default is essential to economic recovery
- Strategic mortgage default has become common and accepted
- Accelerated default, what strategic default really is
- What really prompts borrowers to accelerate their default?
Library: Ponzi Financing & Entitlement
- Southern California’s cultural pathology
- The unceremonious fall from entitlement
- HELOC Abuse Grading System
- Desire for mortgage equity withdrawal inflated the housing bubble
- Money rentership: housing and the new American dream
- Go Ponzi, young debtor! Managing finances the California way
- California personal finance: Ponzi style
- The California economy is dependent upon Ponzi borrowers
- California’s HELOC economy
Library: Foreclosure Mechanics
The Great Housing Bubble
- Welcome to The Great Housing Bubble
- What is a Bubble?
- Conservative House Financing – Part 1
- Conservative House Financing – Part 2
- Conservative House Financing – Part 3
- Fundamental Valuation of Houses – Part 1
- Fundamental Valuation of Houses – Part 2
- Valuation of Lots and Raw Land
- The Credit Bubble – Part 1
- The Credit Bubble – Part 2
- The Housing Bubble – Part 1
- The Housing Bubble – Part 2
- The Housing Bubble – Part 3
- Bubble Market Psychology – 1
- Bubble Market Psychology – 2
- Bubble Market Psychology – 3
- Future House Prices – Part 1
- Future House Prices – Part 2
- Future House Prices – Part 3
- Buying and Selling During a Decline
- Preventing the Next Housing Bubble – Part 1
- Preventing the Next Housing Bubble – Part 2
Astute Observations