Buying a Home
The following are links to the analysis posts of Irvine Renter:
3-2-2010 -- Interest-Only Loans Join Option ARMs in Dustbin of Financial History -- The ongoing credit crunch witnesses the elimination of another dubious loan program.
3-1-2010 -- The Bernanke Put: The Implied Protection of Mortgage Interest Rates -- How will the Federal Reserve manage the increase in mortgage interest rates?
2-22-2010 -- Principal Forbearance in Loan Modifications Dupe Homedebtors with False Relief -- Many embrace principal forebearance, but they give up any potential for appreciation as a result.
2-17-2010 -- Use FHA Financing: Loan Assumption is the Appreciation of the Twenty-Teens -- Obtaining financing equity through assumable mortgages is the way to benefit from home ownership in the next decade.
1-26-2010 -- Urgency Versus Reality: realtors Win, Buyers Lose -- a look at the pathology of the realtor mindset of creating urgency at buyer's expense.
1-18-2010 -- A Theory of House Prices and Housing Markets -- A foundational teaching on housing.
1-13-2010 -- Money Rentership: Housing and the New American Dream -- a realistic look at how debt has slowly eroded the meaning of ownership.
Cost of Ownership Series
10-30-2009 -- Ownership Cost: Taxes and Opportunity Costs
10-29-2009 -- Ownership Cost: Homeowners Associations
10-28-2009 -- Ownership Cost: Property Taxes and Mello Roos
10-27-2009 -- Ownership Cost: Interest Rates and Downpayment Requirements
10-26-2009 -- Ownership Cost: Income, Payments and House Prices
10-7-2009 -- Time to Payoff -- Building on Accelerated Amortization, this posts details how to use this new investment metric.
10-5-2009 -- Accelerated Amortization -- Paying off a loan quicker is the key to an early retirement.
8-20-2009 -- IHB Investor Reports -- A detailed review of the information in our proprietary investor report.
8-18-2009 -- IHB Property Valuation Reports -- A detailed review of the information in our proprietary owner-occupant report.
8-12-2009 -- Climate Value -- Does good weather make property more valuable? Everyone wants to live here, right?
7-20-2009 -- Rental Parity and Beyond -- A conceptual review of the concept of rental parity and how it can be applied to real estate market pricing.
7-13-2009 -- 1997 -- A careful look at the conditions at the bottom of the last real estate market with comparison to today.
6-1-2009 -- How Much Cash Do You Really Need to Buy a House? -- A review of the cash demands homebuyers face.
5-4-2009 -- Negotiating for Real Estate -- An overview of the negotiation process for residential real estate.
4-27-2009 -- California Personal Finance: Ponzi Style -- The methods of personal finance developed during the housing bubble created an unsustainable lifestyle.
1-5-2009 -- Debt-To-Income Ratios: The Forgotten Variable -- The impact of debt-to-income ratios on house prices and the housing market.ability.
8-11-2008 -- Timing Does Matter -- An analysis dispelling the myths about timing the residential real estate market.
3-31-2008 -- Investment Value of Residential Real Estate -- An economic analysis of the true investment value of residential real estate.
3-13-2008 -- Floplords -- A discussion of the phenomenon of accidental landlords.
3-10-2008 -- Mortgage Equity Withdrawal -- An overview of the role mortgage equity withdrawal played in the recovery following the 2001 recession.
2-28-2008 -- Affordability -- A review of the concept of affordability and what it means for the housing market.
2-4-2008 -- What is Equity? -- Looking at the components of homeowner equity and the factors that impact it.
1-28-2008 -- Speculation or Investment -- Comparing the motivations and activities of two distinct classes of purchasers of real estate. Knowing the difference between speculation and investment can make the difference between making and losing money.
1-14-2008 -- Rent Versus Own -- A detailed look at the cost of ownership and the various reasons to rent or own a particular property.
2007-05-14 -- The Anatomy of a Credit Bubble -- A detailed, mathematical analysis of the impact changing lending standards had on home prices. This is fundamental to understanding of the mechanics of the real estate bubble.
2007-05-07 -- Your Buyer’s Loan Terms -- The precursor to The Anatomy of a Credit Bubble. It discusses house prices from the perspective of the future buyer of your home. It demonstrates the impact changes in loan terms will have on future buyers and how this will impact the amount your future buyer can bid for your home.
2007-03-01 -- Financially Conservative Home Financing -- A review of available financing terms and a discussion of why the new "innovations" in home financing are disasters in the making.
