commit 0dfe9ffe573ab56244b630420ba87e97ccec867b Author: nidamilliman86 Date: Thu Jun 19 14:57:05 2025 +0000 Add Rent, Mortgage, Or Just Stack Sats? diff --git a/Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md b/Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md new file mode 100644 index 0000000..5fe6a05 --- /dev/null +++ b/Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md @@ -0,0 +1,59 @@ +[faqtoids.com](https://www.faqtoids.com/finance/property-investment-opportunities-good-true-find-now?ad=dirN&qo=serpIndex&o=740006&origq=investment+properties)
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Rent, mortgage, or just stack sats? First-time property buyers struck historic lows as Bitcoin exchange reserves shrink
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Share
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U.S. home financial obligation simply hit $18T, mortgage rates are harsh, and Bitcoin's supply crunch is magnifying. Is the old course to wealth breaking down?
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Tabulation
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Real estate is slowing - quick +
From deficiency hedge to liquidity trap +
Too many homes, too few coins +
The flippening isn't coming - it's here +
+Realty is slowing - fast
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For several years, real estate has been among the most dependable methods to construct wealth. Home values usually rise over time, and residential or commercial property ownership has actually long been thought about a safe investment.
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But today, the [housing](https://patriciogarciapropiedades.com) market is showing [indications](https://blue-shark.ae) of a slowdown unlike anything seen in years. Homes are sitting on the market longer. Sellers are cutting costs. Buyers are having a hard time with high mortgage rates.
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According to current information, the average home is now selling for 1.8% below asking cost - the biggest discount rate in almost two years. Meanwhile, the time it requires to sell a normal home has actually stretched to 56 days, marking the longest wait in 5 years.
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BREAKING: The [typical](https://housesites.in) US home is now offering for 1.8% less than its asking price, the largest discount in 2 years.
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This is also one of the most affordable readings because 2019.
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It existing takes approximately ~ 56 days for the typical home to offer, the longest span in 5 years ... pic.twitter.com/DhULLgTPoL
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In Florida, the slowdown is much more pronounced. In cities like Miami and Fort Lauderdale, over 60% of listings have actually stayed unsold for more than two months. Some homes in the state are costing as much as 5% below their market price - the steepest discount rate in the country.
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At the same time, Bitcoin (BTC) is ending up being an increasingly attractive option for financiers seeking a scarce, valuable property.
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BTC recently struck an all-time high of $109,114 before [pulling](https://alranimproperties.com) back to $95,850 since Feb. 19. Even with the dip, BTC is still up over 83% in the previous year, driven by rising institutional need.
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So, as realty ends up being harder to sell and more costly to own, could Bitcoin emerge as the [supreme](https://mrajhi.com.sa) store of value? Let's discover.
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From shortage hedge to liquidity trap
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The housing market is experiencing a sharp downturn, weighed down by high mortgage rates, inflated home rates, and decreasing liquidity.
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The average 30-year mortgage rate remains high at 6.96%, a stark contrast to the 3%-5% rates common before the pandemic.
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Meanwhile, the average U.S. home-sale cost has risen 4% year-over-year, however this boost hasn't translated into a [stronger market-affordability](https://luxuriousrentz.com) pressures have actually kept need controlled.
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Several essential trends highlight this shift:
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- The typical time for a home to go under agreement has actually jumped to 34 days, a sharp boost from previous years, signifying a cooling market.
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- A complete 54.6% of homes are now offering listed below their market price, a level not seen in years, while just 26.5% are selling above. Sellers are progressively forced to adjust their expectations as buyers get more [utilize](https://www.properush.com).
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- The average sale-to-list rate ratio has fallen to 0.990, reflecting more powerful purchaser negotiations and a decline in seller power.
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Not all homes, nevertheless, are impacted equally. Properties in prime areas and move-in-ready condition continue to draw in purchasers, while those in less desirable areas or requiring restorations are dealing with steep discount rates.
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But with loaning expenses surging, the housing market has become far less liquid. Many prospective sellers hesitate to part with their low fixed-rate mortgages, while buyers struggle with higher monthly payments.
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This lack of liquidity is a fundamental weakness. Unlike Bitcoin, which can be traded 24/7 with near-instant execution, realty deals are sluggish, costly, and often take months to finalize.
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As economic uncertainty sticks around and capital looks for more efficient stores of worth, the barriers to entry and sluggish liquidity of real estate are ending up being major drawbacks.
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A lot of homes, too few coins
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While the housing market has problem with increasing inventory and weakening liquidity, Bitcoin is experiencing the opposite - a supply squeeze that is sustaining institutional demand.
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Unlike realty, which is influenced by debt cycles, market conditions, and ongoing advancement that broadens supply, Bitcoin's total supply is permanently capped at 21 million.
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Bitcoin's absolute shortage is now clashing with rising need, particularly from institutional financiers, enhancing Bitcoin's role as a long-term shop of value.
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The approval of spot Bitcoin ETFs in early 2024 set off an enormous wave of institutional inflows, drastically shifting the supply-demand balance.
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Since their launch, these ETFs have drawn in over $40 billion in net inflows, with financial giants like BlackRock, Grayscale, and Fidelity controlling the majority of holdings.
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The need surge has soaked up Bitcoin at an unprecedented rate, with day-to-day ETF purchases ranging from 1,000 to 3,000 BTC - far going beyond the approximately 500 new coins mined every day. This growing supply deficit is making Bitcoin progressively limited in the open market.
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At the exact same time, Bitcoin exchange reserves have actually dropped to 2.5 million BTC, the most affordable level in three years. More financiers are withdrawing their holdings from exchanges, signaling strong conviction in Bitcoin's long-term potential instead of treating it as a short-term trade.
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Further reinforcing this pattern, long-lasting holders continue to dominate supply. Since December 2023, 71% of all Bitcoin had actually [remained unblemished](https://barabikri.com) for over a year, highlighting deep investor commitment.
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While this figure has a little decreased to 62% as of Feb. 18, the more comprehensive pattern indicate Bitcoin becoming a progressively securely held possession over time.
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The flippening isn't coming - it's here
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As of January 2025, the median U.S. home-sale rate stands at $350,667, with mortgage rates hovering near 7%. This mix has pressed regular monthly mortgage payments to tape highs, making [homeownership progressively](https://remaxjungle.com) unattainable for more youthful generations.
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To put this into point of view:
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- A 20% down payment on a median-priced home now exceeds $70,000-a figure that, in numerous cities, exceeds the overall home price of previous decades.
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- First-time property buyers now represent simply 24% of total buyers, a historical low compared to the long-term average of 40%-50%.
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- Total U.S. household debt has surged to $18.04 trillion, with mortgage balances accounting for 70% of the total-reflecting the growing financial concern of homeownership.
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Meanwhile, Bitcoin has outperformed genuine estate over the previous years, boasting a substance annual growth rate (CAGR) of 102.36% given that 2011-compared to housing's 5.5% CAGR over the exact same period.
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But beyond returns, a deeper generational shift is unfolding. Millennials and Gen Z, raised in a [digital-first](https://turk.house) world, see traditional monetary systems as slow, stiff, and dated.
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The concept of owning a decentralized, borderless property like Bitcoin is even more appealing than being connected to a 30-year mortgage with unforeseeable residential or commercial property taxes, insurance costs, and upkeep expenses.
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Surveys suggest that more [youthful financiers](https://syrianproperties.org) increasingly focus on financial versatility and movement over homeownership. Many choose renting and keeping their assets liquid instead of dedicating to the illiquidity of realty.
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Bitcoin's portability, day-and-night trading, and resistance to censorship align completely with this mindset.
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Does this mean real estate is ending up being outdated? Not totally. It remains a hedge versus inflation and a [valuable asset](https://lefkada-hotels.gr) in high-demand areas.
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But the inefficiencies of the housing market - integrated with Bitcoin's growing institutional approval - are investment choices. For the first time in history, a digital asset is contending straight with physical property as a long-lasting store of value.
[bloglines.com](https://www.bloglines.com/living/cost-comparison-one-property-solution-worth-investment?ad=dirN&qo=paaIndex&o=740010&origq=investment+properties) \ No newline at end of file