The following are links to the analysis posts and assorted essays of Larry Roberts (Irvine Renter):

12-27-2011 -- Housing price bottom delayed to at least 2013
12-26-2011 -- Strategic default is the banker’s stigma of convenience
12-23-2011 -- Increasing borrowing costs will lower house prices
12-21-2011 -- OC Republican John Campbell successfully lobbies for more government handouts
12-19-2011 -- Lower conforming limit causes 84% decline in loan volume
12-16-2011 -- realtors admit they blew it, revised data coming 12-21
12-15-2011 -- Mortgage delinquencies expected to rise into 2012
12-14-2011 -- Chapman: Excessive supply prevents appreciation in 2012
12-13-2011 -- OC Median price on houses down 9%
12-12-2011 -- OC Housing News: Irvine Renter’s new blog
12-9-2011 -- Strategic default spreads like a virus
12-8-2011 -- Delinquent mortgage squatting time sets new record
12-7-2011 -- Occupy LA joins the wrong side of the foreclosure issue
12-6-2011 -- Subprime markets in despair stage of housing bubble
12-5-2011 -- Irvine loan owners pose highest risk of strategic default
12-2-2011 -- Banks will delay some foreclosures and evictions during the holidays
12-1-2011 -- Foreclosure settlement talks continue without California
11-30-2011 -- Mortgage bankers admit to many more years of foreclosure pain ahead
11-29-2011 -- House Democrats lobby to give free money to loan owners
11-28-2011 -- FHA loan limits go back up to $729,750 in Irvine
11-25-2011 -- Falling prices and faltering economy causes rise in mortgage delinquencies
11-23-2011 -- realtors blame banks for failing to inflate a replacement housing bubble
11-22-2011 -- 50% of mortgage holders are unable to move without a short sale
11-21-2011 -- FHA will be the next taxpayer bailout
11-18-2011 -- Many who strategically default are glad they did
11-17-2011 -- The financial planner who advocated HELOC abuse lost his house
11-16-2011 -- Lesson from Iceland: let the banks fail
11-15-2011 -- The real state of Irvine and Orange County real estate: October 2011
11-14-2011 -- Irvine payment affordability skyrockets, hits new 11-year high
11-11-2011 -- Caroline Baum: You Can’t Fix a Burst Bubble With More Hot Air
11-10-2011 -- OC high-end prices fall, strategic default rises
11-9-2011 -- Banks expected to get off easy in settlement of foreclosure practices
11-8-2011 -- Donald Bren on the recovery: “No. I don’t see the light.”
11-7-2011 -- Government-backed loan limits may go back up
11-4-2011 -- Housing bubble causes mobility to fall to record low
11-3-2011 -- North Korea towers to Shanghai towers: a tale of two bubbles
11-2-2011 -- Desperate BofA now paying short sellers $20,000 cash for keys
11-1-2011 -- Distressed sales clobber OC housing market, down 3.8% in last year
10-31-2011 -- No equity, no move-up buyer; no move-up buyer, you get a slow market
10-28-2011 -- Mitt Romney: don’t stop foreclosures, let markets hit bottom
10-27-2011 -- Obama provides a stealth bailout to loan owners
10-26-2011 -- realtors call the bottom in Orange County… again…
10-25-2011 -- Peter Schiff: OC housing market will get much worse
10-24-2011 -- Home mortgage interest deduction may be curtailed or eliminated
10-21-2011 -- Robbing personal retirement savings to bail out lenders
10-20-2011 -- Irvine time to sell current inventory ballons to five months
10-19-2011 -- Payment affordability in Irvine hits an 11-year high
10-18-2011 -- The devastating aftermath of mortgage equity withdrawal
10-17-2011 -- Principal forgiveness: the worst policy option
10-14-2011 -- Does the Irvine school system add value to local houses?
10-13-2011 -- Zombie debt: the legacy of the housing bubble
10-12-2011 -- High-end shadow inventory clearance
10-11-2011 -- Second mortgages and HELOCs: the black hole on bank’s balance sheets
10-10-2011 -- California AG panders to loan owners, withdraws from foreclosure talks
10-7-2011 -- 2011 Orange County selling season an epic bust
10-6-2011 -- Supplying pre-packaged rentals will stabilize the housing market
10-5-2011 -- Borrowers complain when banks won’t accept a cramdown
10-4-2011 -- Irvine, California: Where bland is in demand and beige is the rage
10-3-2011 -- Bruce Norris: OC shadow inventory liquidations will reduce price support
9-30-2011 -- Will paying borrowers to pay their mortgage prevent strategic default?
9-29-2011 -- 21.5% of OC loan owners are effectively underwater
9-28-2011 -- Society greatly benefits from the housing bust
9-27-2011 -- OC resale home prices DOWN more than 10% YOY, sales over 25% BELOW average
9-26-2011 -- Mortgage rates hit record low of 4.0%
9-23-2011 -- Floppers: realtors who profit by ripping off their lender clients
9-22-2011 -- The weak case against strategic default
9-21-2011 -- 10 million more mortgage delinquencies to come
9-20-2011 -- Bank of America foreclosure notices increase 116%, spring 2012 rally doomed
9-19-2011 -- High-end housing inventory will take a decade to clear
9-16-2011 -- Tales of foreclosure and eviction: putting people out of their former houses
9-15-2011 -- Widespread strategic default is essential to economic recovery
9-14-2011 -- Desperate for cash: BofA cuts 30,000 jobs, ramps up foreclosures
9-13-2011 -- The new “normal” means more pain ahead
9-12-2011 -- Market data and analysis can identify timing and location of good deals
9-9-2011 -- The housing crash trapped a generation in their starter homes
9-8-2011 -- House prices expected to fall this fall and winter
9-7-2011 -- Investment holding companies that buy and hold rental properties
9-6-2011 -- A growing consensus: foreclosures are the cure for the housing market
9-5-2011 -- The housing crash and foreclosures are causing major health problems
9-2-2011 -- Using rental parity to find bargain properties
9-1-2011 -- The real state of Irvine and Orange County real estate
8-31-2011 -- 2009 bear rally knife catchers consistently overprice their homes
8-30-2011 -- Government’s expensive idea to reward imprudent borrowing
8-29-2011 -- Champions of Home
8-26-2011 -- realtors lobby to increase banking losses and make their jobs easier
8-25-2011 -- Mortgage delinquency rates rising again
8-24-2011 -- 64% of Americans lack $1,000 for emergencies much less 3.5% for a down payment
8-23-2011 -- Lenders delay market bottom, extend squatting benefits by reducing foreclosure activity
8-22-2011 -- Lenders stop conforming loans above $625,000 in July, home sale fall
8-19-2011 -- The folly of negative-cashflow investment
8-18-2011 -- Apartments are the next real estate bubble
8-17-2011 -- Irvine condos rent versus own by Global Decision and IHB
8-16-2011 -- NAr: prices down in 72% of markets, first-time homebuyer participation down 24%
8-15-2011 -- Drift lower or decade of flattening is best-case scenario for housing, Ritholtz
8-12-2011 -- Principal reduction program where debtors take an equity-share position
8-11-2011 -- More calls for allowing the free market to restore housing market balance
8-10-2011 -- Marketers targeted strategic defaulters for their extra disposible income
8-9-2011 -- Delinquencies TWO times, foreclosures EIGHT times historic norms
8-8-2011 -- Mortgage rates hit record lows as S&P downgrades US
8-5-2011 -- A loanowner’s tale of woe
8-4-2011 -- A proposed amendment to the California Constitution to ban foreclosures
8-3-2011 -- Irvine condo and SFR price trends by Global Decision and IHB
8-2-2011 -- Orange County REO inventory balloons 42% in one year
8-1-2011 -- Attorneys criticized for advertisement to induce strategic default
7-29-2011 -- Should the GSEs rent REO instead of selling at very low prices?
7-28-2011 -- Lenders delay foreclosures to slow a worsening home-price double dip
7-27-2011 -- How are tomorrow’s buyers going to come up with a 20% down payment?
7-26-2011 -- Lenders sporadically foreclose on large loans with second mortgages
7-25-2011 -- OCAr capitulates: IrvineRenter wins epic victory for free speech
7-22-2011 -- PIMCO: Housing demand to remain weak, bigger problem than distressed supply
7-21-2011 -- A self-serving proposal to inflate house prices and pass risk to taxpayers
7-20-2011 -- OC Housewife, Ponzi borrower, failed land baron
7-19-2011 -- Who runs Buyer Town? What will happen when the conforming limit drops?
7-18-2011 -- SoCal home buyers sit on the sidelines due to falling prices
7-15-2011 -- Rep. Marcy Kaptur (D-OH) proposess foreclosure freeze to extend housing crash
7-14-2011 -- Owner occupied houses in California are poor financial investments
7-13-2011 -- The market value of Irvine home features by Global Decision and IHB
7-12-2011 -- Distressed inventory to weigh on house prices for at least three more years
7-11-2011 -- Democrats as Robin Hood: steal from renters, give to loan owners and banksters
7-8-2011 -- Orange County construction related unemployment at 38%
7-7-2011 -- Strategic default is moral imperative to prevent future housing bubbles
7-6-2011 -- A detailed look at Irvine Village premiums by Global Decision and IHB
7-5-2011 -- Big banks foster false hope with lottery-style principal forgiveness
7-1-2011 -- The five year old housing bust is expected to drag on three or four more years
6-30-2011 -- B of A to speed forclosures on loans serviced for investors
6-29-2011 -- An accurate view of the Irvine housing market by Global Decision and IHB
6-28-2011 -- Loan modifications are not an entitlement, banks don’t want to make them one
6-27-2011 -- Fannie Mae and Freddie Mac are aggressively liquidating their REO
6-24-2011 -- Pending conforming loan limit decrease will make California houses more affordable
6-23-2011 -- The housing bubble and crash is causing great psychological harm
6-22-2011 -- Irvine’s Astoria: epic fail turned rental complex
6-21-2011 -- Delinquent mortgage squatters: the legacy of the housing bubble
6-20-2011 -- Chapman’s Adibi says Orange County prices to fall, recovery far off
6-17-2011 -- Flopping: unscrupulous realtors deceive lender clients and profit from fraud
6-16-2011 -- Housing demand projected to be weak through 2013
6-15-2011 -- Commercial HELOC abusers absconded with hundreds of millions of dollars
6-14-2011 -- OCAr fails to explain charges, demands IrvineRenter’s silence
6-13-2011 -- Home clearance sale expected to begin in earnest this summer
6-10-2011 -- Home equity lowest in seventy years
6-9-2011 -- Orange County realtor lied to clients, stole their money, and admitted to massive Ponzi scheme
6-8-2011 -- Free housing: the new bankster entitlement in New York City
6-7-2011 -- OC realtors seek to silence free speech by accusing IrvineRenter of lying
6-6-2011 -- Income approach appraisals would stabilize house prices
6-3-2011 -- Not leaving North Las Vegas: 80% of loan owners underwater
6-2-2011 -- Housing demand surprisingly low while payment affordability at record highs
6-1-2011 -- Case-Shiller confirms bear rally of 2009 is dead, housing bust continues
5-31-2011 -- Republicans propose tighter lending standards to limit taxpayer liabilities and losses
5-27-2011 -- Should unaffordable housing be a government policy?
5-26-2011 -- How lender liquidations lower house prices and bring affordability
5-25-2011 -- Strategic default consequences minor and likely to decrease
5-24-2011 -- Banks stockpile homes buyers don’t need to buy
5-23-2011 -- More self-serving bullshit from the National Association of realtors
5-20-2011 -- Shadow inventory can not be absorbed by first-time buyers
5-19-2011 -- California home sales fall 6.1%, prices fall 2.4%
5-18-2011 -- The $8,000 tax credit didn’t do homebuyers any favors
5-17-2011 -- Future homebuyers benefit as current loanowners suffer
5-16-2011 -- Strategic mortgage default has become common and accepted in 2011
5-13-2011 -- NAr: sales decline in 78% of markets and prices fall 4.5% nationwide
5-12-2011 -- Strategic default rises as house prices fall, 28% now underwater
5-11-2011 -- Are government house price supports working?
5-10-2011 -- Delinquent mortgage squatters provide $50 billion economic stimulus
5-9-2011 -- Fannie Mae and Freddie Mac losses at $164,400,000,000 and counting
5-6-2011 -- Sell now or be priced in forever
5-5-2011 -- Are home sales slumping because lenders refuse to lend?
5-4-2011 -- Foreclosure prevention legislation fails in Sacramento, fortunately
5-3-2011 -- Foreclosure lawyer loses his California law license
5-2-2011 -- House price double dip accelerating: bottom follows capitulation
4-29-2011 -- How to read an Irvine home sales report
4-28-2011 -- Great Britian’s housing bubble is just like California’s
4-27-2011 -- Most loan owners who experience foreclosure claim victim status
4-26-2011 -- Conforming mortgage limit falls to $625,500 October 1, prices to follow
4-25-2011 -- The real Ponzis and posers of Irvine
4-22-2011 -- Real estate industry unemployment is a large economic drag
4-21-2011 -- High end home buyers are choosing to lease instead
4-20-2011 -- Buyers shun short sales, too much time, uncertain outcome
4-19-2011 -- California is bailing out HELOC abusers with mortgage aid
4-18-2011 -- SoCal March home sales plummet 5.2% YOY, now 21.4% below average
4-15-2011 -- Delinquent mortgage squatter is given free home by lender
4-14-2011 -- The right-to-rent a foreclosure would encourage strategic default
4-13-2011 -- Nevada foreclosure sales rise sharply in March
4-12-2011 -- How large is the Irvine land premium?
4-11-2011 -- Reverse mortgages are causing widowed seniors to lose their homes
4-8-2011 -- Do loan owners feel invested in their communities?
4-7-2011 -- Bankers’ Circle of Life: principal reduction programs and unintended consequences
4-6-2011 -- 51% think homeownership encourages excessive debt, 49% don’t care
4-5-2011 -- How Wells Fargo’s CEO John Stumpf would reform the mortgage market
4-4-2011 -- Nearly one-third of Californian’s wealth was a real estate illusion
4-2-2011 -- Are large down payments supporting high-end home pricing?
4-1-2011 -- Loan modifications and principal reductions fail to prevent future delinquency
3-31-2011 -- Enormous shadow inventory; option ARM foreclosure rate surpasses subprime
3-30-2011 -- Banksters should be held accountable for ruining the housing market and economy
3-29-2011 -- Predictions versus reality: Irvine Renter’s track record
3-28-2011 -- Liar loan borrower jailed, forced to repay stupid lender
3-26-2011 -- The future of IHB news and real estate analysis
3-25-2011 -- Time to clear shadow inventory grossly understated
3-23-2011 -- Why do people buy homes? Why shouldn’t they?
3-22-2011 -- One in eight: Nevada has 167,564 empty houses
3-21-2011 -- Defining qualified residential mortgages: a battle over minimum down payments
3-19-2011 -- Falling prices makes the rent-versus-buy decision difficult
3-18-2011 -- A bankruptcy attorney’s view of the housing bubble aftermath
3-17-2011 -- Ireland’s housing bubble: like ours, only worse
3-16-2011 -- Southern California median home price falls, sales hit three-year low
3-15-2011 -- Viewing real estate as an investment creates volatility in housing markets
3-14-2011 -- B of A to establish special home investment trust as a bank to hold toxic assets
3-12-2011 -- As house prices double dip, pundits debate how low it will go
3-11-2011 -- With domestic out migration, who will buy our overpriced houses?
3-10-2011 -- Timeshares are the worst real estate investment
3-9-2011 -- The OC Register Says California had no real estate bubble
3-8-2011 -- Predatory lending moves from subprime to high end
3-7-2011 -- Warren Buffet proves sound underwriting standards prevent foreclosures
3-4-2011 -- New families find the houses lost in foreclosure
3-4-2011 -- The Tea Party wants more foreclosures, deny renters right to vote
3-3-2011 -- The US needs a home equity lockbox owners can’t raid
3-2-2011 -- Will the housing market bottom in 2011?
3-1-2011 -- Banks offer to reduce principal and recognize losses if AGs drop lawsuits
2-28-2011 -- New home sales down 80% from peak, down 18.6% last year, down 11.1% last month
2-25-2011 -- Emboldened by mortgage squatters, traditional RE thieves becoming a problem
2-24-2011 -- National Association of realtors caught lying about home sales
2-23-2011 -- Foreclosure’s economic impact and the Great Recession
2-22-2011 -- realtors and mortgage brokers left homeless while housing market molders
2-21-2011 -- Irvine Company opens two new developments with 2,600 houses
2-19-2011 -- Cash buyers are saving the Las Vegas housing market
2-18-2011 -- Beyond personal greed, house price inflation is bad
2-17-2011 -- Fannie Mae and Freddie Mac should be dismantled in favor of private lending
2-16-2011 -- Lowering GSE and FHA loan limits will lower house prices
2-15-2011 -- Housing double dip infects previously immune markets and brings affordability
2-14-2011 -- Why are home prices still falling?
2-11-2011 -- CalHFA implements $2 billion ‘Loan Owner Welfare California’ initiative
2-10-2011 -- Fiserv Case-Shiller: after five years of record declines, slow grinding bottom ahead
2-9-2011 -- Despair now dominates subprime real estate markets
2-8-2011 -- Mortgage squatters now average over 500 days in delinquency
2-7-2011 -- Embarrassed Bernanke admits failure to see housing bubble
2-3-2011 -- Housing bubble makes Calfornia cities miserable
2-3-2011 -- Notice of Default irregularities ignored by courts in ruling
2-2-2011 -- Panel finds Greenspan and Bernanke responsible and negligent
2-1-2011 -- Shadow inventory of prime real estate is growing
1-31-2011 -- Strategic default begins nearly one in four Nevada foreclosures
1-28-2011 -- Notice of Default irregularities: new false hope for loan owners
1-27-2011 -- High-end home prices are falling in Orange County
1-26-2011 -- Home Sales hit 13-year low; unemployment drags on recovery
1-25-2011 -- Lenders are responsible for the bad borrowers they create
1-24-2011 -- House price double dip is forcing lenders to tighten credit standards
1-21-2011 -- Is sustaining inflated house prices a worthy goal of public policy?
1-20-2011 -- Banishing the demons of foreclosures past
1-19-2011 -- Which bubble era cities will crumble to dust?
1-18-2011 -- Foreclosure filings expected to rise 20% in 2011
1-17-2011 -- Atlanta Fed President Jack Guynn called the housing bubble in 2005
1-14-2011 -- Key players in the political debate on housing finance
1-13-2011 -- Land-use regulation assists the formation of housing bubbles
1-12-2011 -- Did BofA get a sweetheart deal at the expense of the US Taxpayer?
1-11-2011 -- Foreclosures rising as banks move to process shadow inventory
1-10-2011 -- Mass. Supreme Court rules US Bancorp, Wells Fargo foreclosure invalid
1-7-2011 -- Couple faces three years in prison for squatting without a mortgage
1-6-2011 -- The fallacy of a painless housing market recovery
1-4-2011 -- You will not see 4% mortgage interest rates again in your lifetime
1-3-2011 -- Adjustable rate mortgages cause volatility in California house prices
1-1-2011 -- Predictions for 2011
12-31-2010 -- Bear market rally of 2009-2010 fizzles
12-30-2010 -- Strategic mortgage default will become common and accepted in 2011
12-29-2010 -- With people leaving Orange County, who will buy our overpriced homes?
12-28-2010 -- American Ponzi: Redefining a cultural icon
12-27-2010 -- How attorneys enable squatters to game the system
12-24-2010 -- Accelerated mortgage defaults likely choice to deleverage household debt
12-23-2010 -- Higher loss severities will force lenders to resolve bad loans and liquidate REO
12-22-2010 -- Borrowers default on first mortgage and keep second mortgage current
12-21-2010 -- Celebration, Florida, and the fantasyland premium
12-20-2010 -- Home mortgage negative equity figures are understated
12-17-2010 -- Banks encourage strategic default by reducing FICO impact
12-16-2010 -- Banks holding onto foreclosed homes to force buyers to overpay
12-15-2010 -- Why are home mortgage interest rates rising so quickly?
12-14-2010 -- Profiles in Squatting: Ladera Ranch, California
12-13-2010 -- Robo-signing scandal creates more false hopes among squatters
12-10-2010 -- Home values crater by $1.7 trillion in 2010
12-9-2010 -- Spain shows how to keep house prices inflated
12-8-2010 -- Mortgage interest rates hit five-month high
12-7-2010 -- Real estate cashflow investors will stabilize the housing market
12-6-2010 -- High prices, low demand, and large supply means lower prices ahead
12-3-2010 -- Orange County home prices too high for incomes or rents
12-2-2010 -- House prices resume their downward trend
12-1-2010 -- The New Age of the Tiny House
11-30-2010 -- Foreclosures are essential to the economic recovery
11-29-2010 -- Government lacks the will to further manipulate the housing market
11-26-2010 -- Home Mortgage Interest Deduction Limit May Decline
11-24-2010 -- Bond Market Selloff Makes Mortgage Rates Rise
11-23-2010 -- Fear of Delinqency and Losses Prompts FHA to Tighten Standards
11-22-2010 -- Orange County Sales Falling, Prices to Follow
11-19-2010 -- Las Vegas leads nation in underwater homes and foreclosures
11-18-2010 -- Southern California homes sales sink to lowest level in three years
11-17-2010 -- Bank Bailout Boondoggle Bulges to Two Billion
11-16-2010 -- The Upcoming Crisis of HOA Assessments
11-15-2010 -- Housing Affordability to Improve in 2011
11-12-2010 -- California realtors Say Cutting Mortgage Interest Tax Deduction Will Devastate Nation
11-11-2010 -- Time Estimates for Clearing Shadow Inventory Are Too Low
11-9-2010 -- Low Interest Rates Will Not Create Demand
11-8-2010 -- A Plan to Transfer Losses on Jumbo Toxic Mortgages to Taxpayers (repost)
11-8-2010 -- A Plan to Transfer Losses on Jumbo Toxic Mortgages to Taxpayers
11-5-2010 -- Federal Reserve Policy Fails to Meet Its Goals to Save Real Estate Values
11-1-2010 -- After Eight Years of Squatting, Who Absorbs the Losses?
10-28-2010 -- Foreclosure Delays May Catalyze Downward Spiral in House Prices
10-27-2010 -- Large Banks Survive on Government Largess
10-26-2010 -- Kool Aid Intoxicated Lender Apologizes for Bubble Lies
10-25-2010 -- Home Price Drop Sudden and Dramatic
10-21-2010 -- The Perfect Storm Hits the Housing Market
10-20-2010 -- Countrywide’s Mozilo Should Go to Jail
10-19-2010 -- Should You Fear You Won’t Get Clean Title to Real Estate?
10-18-2010 -- Will the Mortgage Electronic Registration System (MERS) Crash the Housing Market?
10-15-2010 -- Evicted HELOC Abusers Break In and Squat in Foreclosed Home
10-14-2010 -- Foreign Buyers Rush to Catch Falling Knives
10-12-2010 -- Wells Fargo: Full Speed Ahead with Foreclosures
10-11-2010 -- Politicians Encourage Strategic Default with Foreclosure Moratoria
10-8-2010 -- What Really Prompts Borrowers to Accelerate Their Default?
10-7-2010 -- Private Property Rights: A Casualty of the Housing Bubble
10-5-2010 -- The Market Is Accepting That House Prices Will Not Go Up
10-4-2010 -- Should Government Mortgage Subsidies Be Offered to Cashflow Investors?
9-30-2010 -- Feeble Justifications for Government Manipulation of the Housing Market
9-29-2010 -- Prisoners Taught Mortgage Brokering as New Career
9-28-2010 -- Banks Forced to Repurchase Bad Bubble Loans
9-24-2010 -- Squatting Among the Rich and Famous
9-23-2010 -- Can Lenders Underwrite Zero Down Loans Effectively?
9-22-2010 -- Irvine Attorney Sues to Obtain Loan Modification
9-21-2010 -- Environmentally Friendly Housing Is a Bust
9-20-2010 -- Shadow Inventory Signals Three Years of Falling Prices
9-17-2010 -- How The Lending Cartel Disposes Their REO Will Determine the Market’s Fate
9-16-2010 -- Did We Replace Welfare with Home Ownership and HELOC Abuse?
9-15-2010 -- From Squatting to Renting: Another Solution to Stabilize Housing
9-14-2010 -- Contrarian Investing and the Psychology of Deflation
9-13-2010 -- Another Dumb Idea to Shift Private Mortgage Losses to Taxpayers
9-10-2010 -- realtors Assessed so They Can Pay Off Legislators and Buy Votes
9-9-2010 -- Government Expedites Foreclosures, Threatens Banking Cartel
9-8-2010 -- Government Props Weakened the Housing Market and Delayed the Recovery
9-7-2010 -- The Policy of Screwing Prudent Renters to Benefit Loan Owners
9-3-2010 -- Decline in Foreclosures Temporary as a Million Loan Owners Quit Paying in 2010
9-2-2010 -- The Upcoming Collapse of the Banking Cartel
9-1-2010 -- Amend-Extend-Pretend: 780 Day Short Sales, 60% of Delinquent Loans Remaining
8-31-2010 -- Last Remaining Hopes Crushed, Homedebtors Defend Home Ownership
8-30-2010 -- Fix the Housing Market: Let Home Prices Fall
8-26-2010 -- Experts Say Housing No Longer Builds Wealth
8-25-2010 -- Existing-Home Sales Sink to Lowest Level Ever Recorded
8-24-2010 -- Professional Investment Funds Take Over the Foreclosure Flipping Market
8-23-2010 -- Frightened Sellers Who Missed the Market Lower Prices in a Panic
8-20-2010 -- Is Cashflow Investing Making a Comeback?
8-19-2010 -- Principal Reductions by Mortgage Vultures Benefit Foolish Borrowers
8-18-2010 -- The Consumer Financial Protection Bureau Will Fail to Prevent Housing Bubbles
8-17-2010 -- Government Robs Working Renters to Subsidize Unemployed Homedebtors
8-16-2010 -- Foolish Bankers Surprised: Borrowers Never Intended to Repay Their Loans
8-13-2010 -- Home Ownership Rate Declining, May Hit 50-Year Low
8-12-2010 -- Low Interest Rates Are Not Clearing the Market Inventory
8-11-2010 -- Squatting Becoming a Way of Life for Many Delinquent Borrowers
8-9-2010 -- realtor Study Reveals Foreclosures Result of Excessive Debt
8-6-2010 -- FHA Raises the Insurance Premium on New Loans
8-5-2010 -- Buy Las Vegas Real Estate
8-4-2010 -- Housing ATM Empty: HELOC Abuse Hits Record Low
8-3-2010 -- How to Lose $2,650,000 in Irvine Real Estate
8-2-2010 -- Emergence of Shadow Inventory to Push Prices Lower in 2011: Altos Research, Fiserv
7-30-2010 -- GSE Foreclosures Shatter Record Highs, Keep Climbing
7-29-2010 -- All Signs Point to Lower House Prices
7-28-2010 -- Another Ignorant and Misguided Attack on the 30-Year Fixed-Rate Mortgage
7-27-2010 -- Eliminating Government Housing Subsidies Will Improve the Economy
7-26-2010 -- Financial Innovation and Government Subsidies Diminish Home Ownership
7-23-2010 -- Shadow Inventory Builds As Lenders Shift to Short Sales
7-22-2010 -- The Housing Bust Did Not Deflate The Mortgage Bubble
7-21-2010 -- Weakening Demand and Increasing Supply Cause Widespread Asking Price Reductions
7-20-2010 -- Prime Loan Delinquencies Increase for 37th Straight Month
7-19-2010 -- Amid Weak Sales Volume Irvine Inventory Hits 23-Month High
7-16-2010 -- 1,000,000 Foreclosures in 2010 and Three More Years of Pain
7-15-2010 -- Montana Man Forgets to Sign Documents Before Stealing Bank-Owned Property
7-14-2010 -- Banks Cancel Foreclosures in Shift to Short Sales… For Now
7-13-2010 -- Hopelessly Over-Leveraged Pretenders Quit Paying Because Lenders Allow Them to Squat
7-12-2010 -- How to Lose $1,100,000 in Irvine Real Estate
7-9-2010 -- Thinking About Accelerated Default? The Average Squatting Time Is Up to 449 Days
7-8-2010 -- How Low Will Mortgage Rates Go?
7-7-2010 -- Fannie Mae Bluffs Strategic Defaulters with Empty Threats
7-6-2010 -- House Prices Will Languish from 2010 to 2020.
6-26-2010 -- Will Congress Fix Our Mortgage Loan Problems?
6-25-2010 -- Will House Prices Double Dip?
6-24-2010 -- New Home Sales Plummet with Expiration of Tax Credits
6-23-2010 -- Government Bureaucrat Recommends Against 30-Year Fixed-Rate Mortgages
6-22-2010 -- More Than Half of Loan Modifications Fail within One Year
6-21-2010 -- Lenders Aggressively Pursue Short Sale and Foreclosure Deficiencies
6-18-2010 -- Safe Haven Markets are Really a Squatter’s Haven
6-17-2010 -- Accelerated Default: What Strategic Default Really Is
6-16-2010 -- Will HOA Lawsuits Compel Lenders to Foreclose on Shadow Inventory?
6-15-2010 -- Is Squatting a Viable Long-Term Solution to Stabilize the Housing Market?
6-14-2010 -- There are 36,000+ Distressed Properties in Orange County
6-11-2010 -- Second Home Communities Are Ravaged by Foreclosures
6-10-2010 -- There are 3,600+ Distressed Properties in Irvine
6-9-2010 -- The California Legislature Moves to Slow Foreclosure Process Again
6-8-2010 -- Can the GSEs Exist Outside of Government Conservatorship?
6-7-2010 -- Safe Haven Buying: Kool Aid Intoxication of the Housing Bust
6-4-2010 -- Mortgage Brokers Panic: Purchase Demand In Freefall as Housing Industry Unravels
6-3-2010 -- Ideal Home Brokers Exclusive Access Properties
6-3-2010 -- Strategic Default: The $10,000,000,000 Monthly Economic Stimulus
6-2-2010 -- Commercial Real Estate Borrowers Extinguish Their Debts
6-1-2010 -- The Latest Lie about Strategic Default: Borrowers Are Emotional Fools
5-31-2010 -- Why Our Bear Rally Might Fizzle Out
5-28-2010 -- The Speculative Housing Bubble Mentality Still Governs the Market
5-27-2010 -- California Millionaires: Debtors Who Service Over $1,000,000
5-26-2010 -- Vacant Bank-Owned Properties Are Being Sold Into the Market Rally
5-25-2010 -- The California Economy Is Dependent Upon Ponzi Borrowers
5-24-2010 -- Go Ponzi, Young Debtor! How to Manage Your Finances The California Way
5-23-2010 -- Buying and Selling During a Decline
5-21-2010 -- Nearly 500 Properties Are Currently Scheduled for Foreclosure Auction In Irvine
5-20-2010 -- Elitist Bank Economists Blame Housing Bubble on Subprime Borrower’s Poor Math Skills
5-19-2010 -- How Gaming Interests Could Save the Las Vegas Housing Market, and Why They Should
5-18-2010 -- Government Sponsored Loan Modifications are the New Liar Loans
5-17-2010 -- Foreclosure Is a Superior Form of Principal Reduction
5-14-2010 -- The Mechanism For Diverting Bank Losses to the US Taxpayer
5-13-2010 -- Riverside County: 90% of mortgages underwater, 23% of mortgages 60-days late
5-12-2010 -- The Cash Value of Real Estate Explained
5-11-2010 -- The Lender Decision Tree and Limited Resale Inventory
5-7-2010 -- Clueless Academic Wonders, “Was It Really a Bubble?
5-6-2010 -- Harvard: Lax Underwriting Standards Did Not Inflate The Housing Bubble
5-5-2010 -- Flipping Trustee Sale Houses on Speculation
5-4-2010 -- Ghost Estates: Twenty Percent of Ireland’s Houses Are Vacant
5-3-2010 -- Nine Years to Clear the Inventory from The Great Housing Bubble
4-30-2010 -- Strategic Default Is Merely Collecting On Home Price Protection Insurance Sold By Lenders
4-29-2010 -- How Hedge Funds Could Crush the Banking Cartel and Keep Original Buyers in Foreclosures
4-28-2010 -- Total Delinquent Loans 21.3 Percent Higher Than Last Year; Foreclosure Rates At Record High
4-27-2010 -- Proposed Subsidies to Housing Market Prices Benefit Only Bankers
4-26-2010 -- Fannie Mae Encourages Strategic Default by Reducing Punishment Time for New Loan
4-23-2010 -- The Ethics and Morality of Borrowing and Lending During the Great Housing Bubble
4-22-2010 -- Walking Away from a Mortgage to Secure Their Children’s Future
4-21-2010 -- Buying a Rental at Trustee Sale
4-20-2010 -- Unencumbered Cashflow: The Best Measure of Real Wealth
4-19-2010 -- Buying a Trustee Sale Property as a Primary Residence
4-19-2010 -- Extreme HELOC Abuse from Extreme Makeover Home Owners
4-16-2010 -- Foreclosures Increasing as Expected: 216,263 Filings on California Debtors in First Quarter
4-15-2010 -- House Prices Will Not Reach Bubble Highs for Over 15 Years
4-14-2010 -- Banks Refuse to Recognize HELOC and Second Mortgage Losses
4-13-2010 -- We Haven’t Learned the Lessons of the Great Housing Bubble
4-12-2010 -- Failed Bailouts and the Neverending Mortgage Crisis
4-9-2010 -- The National Association of realtors Latest Scare Tactic: Rising Interest Rates
4-8-2010 -- Housing Bubble as Political Rugby
4-7-2010 -- The Debt Star Has Cleared the Planet
4-6-2010 -- Foreclosures Will Drive the National Economic Recovery
4-5-2010 -- Desire for Mortgage Equity Withdrawal Inflated the Housing Bubble
4-2-2010 -- Squatting Laguna Beach Style
4-1-2010 -- One Land Baron’s Heartbreaking Implosion
3-31-2010 -- Loan Modifications Succeed by Increasing Borrower Entitlements
3-30-2010 -- Bankster Bailouts Did NOT Save Us from the Second Great Depression
3-29-2010 -- Bank of America to Increase Foreclosure Rate by 600% in 2010
3-27-2010 -- Squatting Newport Coast Style
3-26-2010 -- All the Foolish People: Where Do They All End Up?
3-25-2010 -- Lenders Start More Foreclosures to Catch Up with Delinquencies
3-24-2010 -- Arizona Officials Apportion Bailout Funds and Wrestle with Moral Hazard
3-23-2010 -- Market Slices First Wave of Knife Catchers
3-22-2010 -- Home Owners Associations Block Guests When Owners Are Delinquent
3-19-2010 -- realtors Slammed in New York Times
3-18-2010 -- Why Do Struggling Homeowners Keep Paying Their Mortgages?
3-17-2010 -- Responsible Home Owners Are Hurt by Irresponsible Loan Owners
3-16-2010 -- One Defaulting Owner’s Free Ride: Three Years and Counting
3-15-2010 -- Reconveyance Fee Rights: Long-Term Equity Theft by Real Estate Developers
3-12-2010 -- The Swiss Central Bank Openly Discourages Mortgage Lending Due to Housing Bubble Fears
3-11-2010 -- Housing Subsidies, Debt Expansion, and the Death of American Liberty
3-10-2010 -- Sales Volume Limp as Local Inventories Rise
3-9-2010 -- Uncle Sam Endorses Cash-For-Keys
3-8-2010 -- Adjustable Rate Mortgage Resets Foretell Major Problems in California’s Housing Market
3-5-2010 -- California Continues to Tax Forgiven Recourse Debt
3-4-2010 -- The Face of Housing Entitlement Today
3-3-2010 -- High-End Owners Compete for Buyers and Dance with Asking Prices

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?

2-25-2010 -- Feelings and Attitudes Toward Debt Transform in Housing Bubble Aftermath -- A post guaranteed to change your attitude toward debt.

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.

2-10-2010 -- The Unceremonious Fall from Entitlement -- Many face a humiliating fall from Grace when lenders remove support.

2-1-2010 -- No Housing Market Bottom -- A review of current circumstances to reaffirm the housing market has not bottomed.

1-29-2010 -- The Changing Face of Flipping -- Flips come in a variety of flavors, some of which taste better than others.

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.

Foreclosure Series:

1-22-2010 -- Foreclosure 101: Mechanics of a Trustee Sale

1-21-2010 -- Foreclosure 101: Non-Judicial Foreclosure

1-20-2010 -- Foreclosure 101: Vesting Title

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.

1-12-2010 -- Lenders Are More Culpable than Borrowers -- Apportioning blame among the various guilty parties in the housing bubble.

1-6-2010 -- HELOC Abuse Grading System -- a detailed look at the variety of harmful borrower behaviors.

1-4-2010 -- House Prices Will Decline in 2010 -- Preditions for 2010.

12-28-2009 -- US Exports Housing Bubble to Canada -- Analysis of the Canadian home price bubble.

12-21-2009 -- Should You Walk Away from Home Debt? -- A review of the circumstances surrounding the walk-away phenomenon.

12-16-2009 -- Lenders Can Hold Real Estate Indefinitely -- Lenders have discretion over how they liquidate real estate owned.

12-14-2009 -- High DTIs Equal High Default Rates -- An examination of the relationship between debt-to-income ratios and default rates.

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

10-20-2009 -- Hard Crash? or Soft Landing? -- A philosophical examination of which way you like to take your medicine.

10-19-2009 -- Rent? or Own? Fall 2009 -- A look at the state of the rent versus own decision in late 2009.

10-13-2009 -- Alternate Market Price Measurements -- Post looks at price measurements other than the median.

10-12-2009 -- Median as Market Price Measurement -- Post examines the good and bad qualities of using the median.

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.

9-28-2009 -- The 2011 Inflation Spike -- The Federal Reserve may allow inflation to spike in the medium term.

9-16-2009 -- Cure Rates -- The rates at which people "cure" their ailing loans has declined to very low levels. People are walking away.

9-14-2009 -- Real Estate, Cashflow Investment and Retirement -- Real estate can and should be a part of your retirement plan, but don't bank on appreciation. Cashflow is the key.

9-2-2009 -- Shadow Inventory Orange County -- With a little data and some complex analysis, it is possible to get an accurate picture of the shadow inventory in Orange County.

8-24-2009 -- How Do You Feel About HELOC Abuse? -- After reading several hundred stories of people borrowing and spending several hundred thousand dollars, you get numb to the abuse.

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.

8-17-2009 -- Psychological Stages of a Bubble -- Understanding and recognizing the stages of a housing bubble will help you better time your home purchase.

8-13-2009 -- Bottom? or Bear Rally? -- Will foreign cash buyers sustain real estate valuations at inflated prices? Not according to Rich Toscano.

8-12-2009 -- Climate Value -- Does good weather make property more valuable? Everyone wants to live here, right?

8-10-2009 -- Power Poker -- How the Irvine Company could support local real estate prices by forming a REIT to buy foreclosed homes -- or just by threatening to.

8-3-2009 -- Going Flat -- Making money in real estate through selling and buying back into the market at a later date for less money.

7-28-2009 -- Entitlement Leads to Socialism -- The housing bubble caused a shift in societal attitudes that leads to more socialist government programs.

7-24-2009 -- Are You Over It? -- The trauma of The Great Housing Bubble must be overcome. Are you still angry about it? or are you over it?

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.

7-6-2009 -- The Bailout for Prodigious Spenders -- Did renters benefit as much as owners did during the bubble years?

6-29-2009 -- The Immunity Syndrome -- The belief that prices cannot fall at the high end prompted speculators to bid prices up to inconceivable levels. The high end may crash hardest.

6-22-2009 -- Regulatory Solutions to Prevent the Next Housing Bubble -- Excerpt from final chapter of The Great Housing Bubble concentrating on regulatory solutions to the problem.

6-15-2009 -- Should Adjustable-Rate Mortgages be Curtailed? -- Another look at the problems created by adjustable rate mortgages and their place in the housing market.

6-1-2009 -- How Much Cash Do You Really Need to Buy a House? -- A review of the cash demands homebuyers face.

5-18-2009 -- Irvine's Future REO Inventory -- A review of the building wave of foreclosures due to hit the Irvine market.

5-11-2009 -- Temporary Affordability and the Third Foreclosure Wave -- An analysis of the problem adjustable rate mortgage create for the future of the housing market.

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.

4-20-2009 -- Pent-Up Supply -- A buildup of inventory at the mid to high end of the housing market signals an upcoming drop in prices.

3-30-2009 -- Responsible Homeowners are NOT Losing Their Homes -- People who were truly responsible with their borrowing are not losing their homes in the housing price crash.

3-23-2009 -- Real Estate's Lost Decade -- Rising interest rates could stop appreciation for a full decade.

3-9-2009 -- The Market Bottom Is Not a Price Point -- The bottom of a real estate market is not a specific price point, but a state of affordability.

3-2-2009 -- What Risks Should Borrowers Be Allowed to Take? -- Excessive risk caused the rise and fall of the housing bubble. Should some of the riskiest practices be eliminated?

2-12-2009 -- The Financial Implications of Short-Sales and Foreclosures -- Reference to an attorney's description of the what can happen in short sales and foreclosures depending upon the circumstances of the borrower.

2-9-2009 -- The Moral Hazard of Market Supports and HELOC Abuse -- Is the government's efforts to support the real estate market going to serve to create the psychology that inflates the next one?

2-2-2009 -- Fire and Ice -- Is it better for the market to correct quickly or slowly? An analysis of the implications of both methods of market correction.

1-26-2009 -- The New Real Estate Sales Business Model -- A proposal to change the 6% realtor sales commission model currently popular in the United States.

1-19-2009 -- Tax Policy and Housing -- A review of the various tax programs and how they impact house prices

1-13-2009 -- Unlocking the Housing Market Recovery -- A review of a popular proposal for saving the economy and the housing market.

1-12-2009 -- Bring Back Paternalism in the Mortgage Market -- A plea to re-regulate the mortgage market.

1-5-2009 -- Debt-To-Income Ratios: The Forgotten Variable -- The impact of debt-to-income ratios on house prices and the housing market.

12-8-2008 -- 4.5% Mortgage Interest Rates? -- What would happen if mortgage interest rates were dropped to 4.5%.

11-17-2008 -- A Free-Market Solution to Prevent Housing Bubbles -- From the final chapter of The Great Housing Bubble.

11-13-2008 -- Reverse Liar Loans -- An example of how bailouts are creating more problems than they are solving.

11-12-2008 -- The ARM Problem -- Adjustable rate mortgages scheduled to reset from 2009-2011 are the next wave of foreclosures that will flatten the real estate market.

11-11-2008 -- The Carrot and The Stick -- a look at what is really necessary to make a homeowner bailout program successful.

10-6-2008 -- Fundamentals at a Market Bottom -- A review of what market conditions prevail at the bottom of the housing cycle.

9-29-2008 -- Desire is not Demand -- A revealing look at the final myth propagated by realtors during a price decline.

8-25-2008 -- I Was Wrong, It’s Worse… -- A review of projections of future price drops 18 months later.

8-18-2008 -- Affordability Mortgage Products Make Prices Unaffordable -- A frank discussion on the problems caused by lender's solutions to the problem of affordability.

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.

3-29-2008 -- Efficient Markets vs Behavioral Finance -- An overview of the two competing theories of market price movements.

3-17-2008 -- Bailouts and False Hopes -- A cynical look at the psychology of potential bailouts.

3-15-2008 -- Mortgage Default Losses -- Parsing the distinction between default rates and resulting default losses on residential loans.

3-13-2008 -- Floplords -- A discussion of the phenomenon of accidental landlords.

3-12-2008 -- Mortgages as Options -- A look at how borrowers and speculators gamed the system using mortgages as option contracts.

3-11-2008 -- Houses and Commodities Trading -- An examination of the parallels between commodities markets and the behavior of residential real estate markets.

3-10-2008 -- Mortgage Equity Withdrawal -- An overview of the role mortgage equity withdrawal played in the recovery following the 2001 recession.

3-8-2008 -- How Big Was the Bubble? -- A review of statistical measures of price to evaluate just how big the housing bubble really was.

3-4-2008 -- Systemic Risk in the Housing Market -- The second of a two-part series. This posts examines the failures of structured finance and suggests methods for addressing this failure to prevent future housing bubbles.

3-3-2008 -- Structured Finance 101 -- The first of a two-part series. This post provides an overview of what structured finance is, and how it was used to during the housing bubble.

2-28-2008 -- Affordability -- A review of the concept of affordability and what it means for the housing market.

2-25-2008 -- The Credit Crunch -- A discussion of the causes and implications of the credit crunch.

2-18-2008 -- Selling for Less -- A look at the changing market environment where buyers are in control of the action.

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.

1-7-2008 -- The Fallacy of Financial Innovation -- Shattering the myth of "financial innovation" and reinforcing the use of 30-year, fixed-rate, conventionally amortizing mortgages.

12-3-2007 -- What is a Bubble? -- The concepts and beliefs that when acted upon by the general public create an asset price bubble.

10-1-2007 -- What Caused the Bubble Rally? -- A detailed analysis of the conditions the preceded the bubble rally and the causes of its inflation.

9-24-2007 -- A Buyer’s Market -- A hard-nosed look at negotiating when market conditions change.

9-13-2007 -- The Market Bottom -- A review of the conditions that formed the last market bottom and why it formed at the price level it did.

9-10-2007 -- The California Social Contract -- A meditation on the plight of homedebtors written from their perspective.

2007-07-16 -- Land Value 101 -- A detailed explanation of how raw land is valued when used for residential construction.

2007-06-25 -- Houses Should Not Be a Commodity -- A discussion of the psychology of commodity market trading and why this is an undesirable element in housing markets.

2007-06-18 -- Telling Good Analysis from Bad -- An evaluation of Gary Watts Real Estate Outlook for 2007 and a description of the characteristics of a robust market analysis.

2007-06-11 -- The Reservoir of Schadenfreude -- A whimsical look at the emotional phenomenon of taking pleasure in the misfortune of others.

2007-05-21 -- The Day the Market Died -- A look at the conditions which led to the bursting of the bubble with analogies to Don McClean's American Pie.

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.

2007-04-30 -- Appreciation is Dead -- Rapid home price appreciation has become an accepted truism in Southern California. There are many reasons to believe this is not a basic Truth of Life. This post examines the causes of appreciation and explores the reasons why it may all be coming to an end.

2007-04-23 -- It’s not the Borrowers; It’s the Loans. -- The "subprime containment" meme has been used to quell the fears of investors since the collapse of subprime lending in early 2007. This post examines the spurious nature of the subprime containment idea and explores the implications of the larger problem being hidden from the general public.

2007-04-16 -- How Homedebtors Could Avoid Foreclosure -- A look at a potential financing mechanism which might be used to assist homeowners who are underwater. It also examines the potential implications of the widespread use of such tools.

2007-04-08 -- Southern California’s Cultural Pathology -- An exploration of the unique cultural beliefs which made the housing bubble take hold in Southern California. This is a critical post to understanding why the bubble was so pronounced here while in other areas of the country it was not as extreme.

2007-04-02 -- How Bad Could Bad Get? -- A look at the worst case scenario for our housing market, and why it is not unrealistic.

2007-03-24 -- Who is responsible for this mess? -- A rant on the difficulty of identifying the party or parties responsible for our current problems.

2007-03-14 -- Why the Sub-Prime Meltdown is a Problem -- Many have postulated the sub-prime collapse would not impact housing prices in more affluent areas like Irvine. This brief post debunks this idea.

2007-03-11 -- Predictions for the Irvine Housing Market -- A prediction for the future of housing prices in Irvine based on an analysis of emerging data and trends. This is the capstone post tying together the series of posts from 3-1 to 3-9.

2007-03-09 -- What if Prices Dropped to Fundamental Values? -- A brief "what if" on the impact a decline to fundamental valuations would have on Orange County housing prices.

2007-03-06 -- What is Past is Prologue -- A review of the mechanics of the collapse of the last bubble to provide a foundation for the projections of the market action in our current market bubble.

2007-03-05 -- How Sub-Prime Lending Created the Housing Bubble -- A simple thought experiment to show how a loosening of lending standards helped create a commodities market mentality and inflated the housing bubble.

2007-03-03 -- How Inflated are House Prices? -- A discussion of the fundamental valuation of housing prices. This post is essential reading to anyone wanting to understand how residential homes should be valued.

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.

2007-02-27 -- I am IrvineRenter (Inventory Cholesterol) -- A brief introductory post and a discussion of the different types of housing inventory and how they impact prices.