double beta's Comments RSS Syndication from SeekingAlpha.com http://seekingalpha.comuser/254567/comments http://seekingalpha.com/article/156269-coming-soon-banking-crisis-of-historic-proportions?source=feed#comment-651655 651655

On Aug 16 09:29 AM john s. gordon wrote:

> to what degree was the financial hardship of 1873-1907 caused/exacerbated
> by adherence to the gold standard? opinions please.]]> Fri, 28 Aug 2009 18:20:54 -0400

On Aug 16 09:29 AM john s. gordon wrote:

> to what degree was the financial hardship of 1873-1907 caused/exacerbated
> by adherence to the gold standard? opinions please.]]> http://seekingalpha.com/article/124129-the-new-foreclosure-prevention-plan?source=feed#comment-413137 413137
I really do like the phone number for the program 1-888-995-HOPE. 1-888-DUMB-A%& may be more fitting. ]]> Wed, 04 Mar 2009 15:05:08 -0500
I really do like the phone number for the program 1-888-995-HOPE. 1-888-DUMB-A%& may be more fitting. ]]> http://seekingalpha.com/article/112667-the-brighter-side-of-falling-home-prices?source=feed#comment-341898 341898 Tue, 30 Dec 2008 18:48:31 -0500 http://seekingalpha.com/article/112272-when-will-the-housing-market-bottom?source=feed#comment-338968 338968
The author makes several good points, what he does not mention is that there is a large population of people who cannot be financed (self employed, recently BK and recently forclosed) and will only be able to purchase a home through non-traditional methods (owner contract, family monies, etc...). This large pool of captive renters are driving the prices of rents up for typical low and middle income housing. The product in the higher stratifications of the market is not desirable for rentals in this market and probably is difficult to pencil in most.
]]> Fri, 26 Dec 2008 19:05:20 -0500
The author makes several good points, what he does not mention is that there is a large population of people who cannot be financed (self employed, recently BK and recently forclosed) and will only be able to purchase a home through non-traditional methods (owner contract, family monies, etc...). This large pool of captive renters are driving the prices of rents up for typical low and middle income housing. The product in the higher stratifications of the market is not desirable for rentals in this market and probably is difficult to pencil in most.
]]> http://seekingalpha.com/article/112272-when-will-the-housing-market-bottom?source=feed#comment-338967 338967
The author makes several good points, what he does not mention is that there is a large population of people who cannot be financed (self employed, recently BK and recently forclosed) and will only be able to purchase a home through non-traditional methods (owner contract, family monies, etc...). This large pool of captive renters are driving the prices of rents up for typical low and middle income housing. The product in the higher stratifications of the market is not desirable for rentals in this market and probably is difficult to pencil in most.
]]> Fri, 26 Dec 2008 19:04:50 -0500
The author makes several good points, what he does not mention is that there is a large population of people who cannot be financed (self employed, recently BK and recently forclosed) and will only be able to purchase a home through non-traditional methods (owner contract, family monies, etc...). This large pool of captive renters are driving the prices of rents up for typical low and middle income housing. The product in the higher stratifications of the market is not desirable for rentals in this market and probably is difficult to pencil in most.
]]> http://seekingalpha.com/article/112272-when-will-the-housing-market-bottom?source=feed#comment-338966 338966
The author makes several good points, what he does not mention is that there is a large population of people who cannot be financed (self employed, recently BK and recently forclosed) and will only be able to purchase a home through non-traditional methods (owner contract, family monies, etc...). This large pool of captive renters are driving the prices of rents up for typical low and middle income housing. The product in the higher stratifications of the market is not desirable for rentals in this market and probably is difficult to pencil in most.
]]> Fri, 26 Dec 2008 19:04:49 -0500
The author makes several good points, what he does not mention is that there is a large population of people who cannot be financed (self employed, recently BK and recently forclosed) and will only be able to purchase a home through non-traditional methods (owner contract, family monies, etc...). This large pool of captive renters are driving the prices of rents up for typical low and middle income housing. The product in the higher stratifications of the market is not desirable for rentals in this market and probably is difficult to pencil in most.
]]> http://seekingalpha.com/article/111520-has-the-housing-price-bubble-deflated?source=feed#comment-334137 334137
There are alot of baby boomers and baby boomer accounts that have to realize a return on their investments inorder to even consider retirement. We have seized credit markets which dropped the velocity of money, once leverage re-enters the picture we will have a much bigger pool to multiply through the market thanks to our Fed's abilty to create dollars.

Like tech in 2001, we will be looking back at some 'shoulda-woulda' values 48-mos from now in residential, neverminding the inflation hedge. I am bearish for the next year on commercial, especially unanchored B & C retail and off market office. ]]> Fri, 19 Dec 2008 13:44:48 -0500
There are alot of baby boomers and baby boomer accounts that have to realize a return on their investments inorder to even consider retirement. We have seized credit markets which dropped the velocity of money, once leverage re-enters the picture we will have a much bigger pool to multiply through the market thanks to our Fed's abilty to create dollars.

Like tech in 2001, we will be looking back at some 'shoulda-woulda' values 48-mos from now in residential, neverminding the inflation hedge. I am bearish for the next year on commercial, especially unanchored B & C retail and off market office. ]]> http://seekingalpha.com/article/111559-if-you-ever-see-a-chart-like-this-run-away-fast?source=feed#comment-333912 333912 Fri, 19 Dec 2008 10:50:14 -0500 http://seekingalpha.com/article/111379-commercial-real-estate-offering-8-9-cap-rates-anyone-interested?source=feed#comment-333078 333078 Thu, 18 Dec 2008 11:03:22 -0500 http://seekingalpha.com/article/102692-three-areas-of-opportunity-for-the-bold?source=feed#comment-294449 294449 Thu, 30 Oct 2008 13:18:06 -0400 http://seekingalpha.com/article/93550-how-much-further-will-housing-fall?source=feed#comment-244084 244084
However, the bigger problem I have with this article is that the author is assuming a 0% downpayment. If I were going to assume a tight underwriting DTI, I would also assume a requred 10%- 20% equity contribution. Once again, factor a 15% equity contribution with a 32% front end ratio, and it would appear that housing is affordable in relative terms.



]]> Tue, 02 Sep 2008 17:40:33 -0400
However, the bigger problem I have with this article is that the author is assuming a 0% downpayment. If I were going to assume a tight underwriting DTI, I would also assume a requred 10%- 20% equity contribution. Once again, factor a 15% equity contribution with a 32% front end ratio, and it would appear that housing is affordable in relative terms.



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