Apr 242014
 

By Jim the Realtor Remember when Rob Dawg said “Forget all previous assumptions”? Everyone has been assuming that once prices went back up, more inventory would appear. Those previously underwater would finally be free to sell, and other more-elective sellers who had been waiting patiently since the last peak would try again. Well, here we are – prices are […] …read more

Source: bubbleinfo.com

Apr 242014
 
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Federal reserve policy of zero percent interest rates inflates asset values and diverts money from savers to bankers.

When the federal reserve buyers Treasury notes or mortgage-backed securities, it merely prints money. Unlike ordinary banks or citizens, the federal reserve doesn’t need… – Savers pay for federal reserve policies to inflate house prices and save the banks

Visit the OC Housing News. Discover why you should register and how to use the OC Housing News. Utilize the advanced property search, or the map search. Check out our special offers: property search guide, housing market reports, home ownership cost guide, guide to rent or own decision, home financing guide, foreclosure 101, short sale guide, guide to selling without a realtor, The Great Housing Bubble free PDF, 1.5% rebate on new home construction, no cost home sale program, and maximum impact marketing. Learn why you should use a home guide. Meet our home guides and housing market analysts, and read our testimonials.

Apr 232014
 

By Jim the Realtor W.C. Varones has been covering the Pacific View fiasco, and the recent commitment by the City of Encinitas to pay $10 million for it (even though the school district only asked $9.5 million). Here is his most recent post about the community activists who supported the city’s purchase, but wondered if the $10M price was what […] …read more

Source: bubbleinfo.com

Apr 232014
 
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Voters warm to the idea of reforming Proposition 13, but large financial interests would vigorously oppose any attempts to curtail their subsidy.

Property taxes have long been a source of local government tax revenues because real property cannot be moved out of a government’s jurisdiction, and … – http://ochousingnews.com/blog/will-proposition-13-ever-changed/

Visit the OC Housing News. Discover why you should register and how to use the OC Housing News. Utilize the advanced property search, or the map search. Check out our special offers: property search guide, housing market reports, home ownership cost guide, guide to rent or own decision, home financing guide, foreclosure 101, short sale guide, guide to selling without a realtor, The Great Housing Bubble free PDF, 1.5% rebate on new home construction, no cost home sale program, and maximum impact marketing. Learn why you should use a home guide. Meet our home guides and housing market analysts, and read our testimonials.

Apr 222014
 

By Jim the Realtor Here is investigative reporting for you. Jason Hidalgo from the Reno Gazette-Journal found that dual agency short sales with a prearranged cash buyer accounted for more than 10 percent of Northern Nevada’s 2,096 single-family home short sales last year. He looked me up in February to get my thoughts on short-sale flipping, and then in his story […] …read more

Source: bubbleinfo.com

Apr 222014
 
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Bankers around the globe learned from the US how to reflate house price bubbles by removing distressed inventory and lobbying for government subsidies.

Bankers in the US discovered the formula for reflating housing bubbles: remove distressed inventory from the market through loan modification,…

Visit the OC Housing News. Discover why you should register and how to use the OC Housing News. Utilize the advanced property search, or the map search. Check out our special offers: property search guide, housing market reports, home ownership cost guide, guide to rent or own decision, home financing guide, foreclosure 101, short sale guide, guide to selling without a realtor, The Great Housing Bubble free PDF, 1.5% rebate on new home construction, no cost home sale program, and maximum impact marketing. Learn why you should use a home guide. Meet our home guides and housing market analysts, and read our testimonials.

Apr 212014
 

By Jim the Realtor Last week we saw that San Diego was #1 in the nation for least affordable housing compared to the renter’s median income. This article ranks the Top 10 cities in America by median list price, with the highest eight cities all located in California (San Diego is #7): http://www.housingwire.com/articles/29729-california-dreaming-be-prepared-to-pay-up The data is from realtor.com, which not […] …read more

Source: bubbleinfo.com

Apr 212014
 
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Rising rents make owning an attractive alternative despite the high home prices, so rising rents will likely push more people to buy rather than rent.

After the big rally in home prices and the sudden increase in interest rates, houses feel expensive. In many areas, prices have reflated back to…

Visit the OC Housing News. Discover why you should register and how to use the OC Housing News. Utilize the advanced property search, or the map search. Check out our special offers: property search guide, housing market reports, home ownership cost guide, guide to rent or own decision, home financing guide, foreclosure 101, short sale guide, guide to selling without a realtor, The Great Housing Bubble free PDF, 1.5% rebate on new home construction, no cost home sale program, and maximum impact marketing. Learn why you should use a home guide. Meet our home guides and housing market analysts, and read our testimonials.

Apr 202014
 

By Jim the Realtor HT – Daytrip, Happy Easter to you and your family! A story about buy-and-hold, which is highly recommended (buy as many houses as you have kids, in case prices get way out of hand). http://www.latimes.com/business/la-fi-first-time-landlords-20140405,0,5071734,full.story#axzz2zOvSJDIv An excerpt: Buyers who bought at the bottom of the market in 2009 got a bargain. Then came years of […] …read more

Source: bubbleinfo.com

Apr 182014
 

By Jim the Realtor Of the top 25 metro areas in America, San Diego is the least affordable, according to this report from Zach Fox at SNL (and formerly of the North County Times): http://www.snl.com/InteractiveX/Article.aspx?cdid=A-27562902-13864 An excerpt: Housing prices have enjoyed substantial, double-digit growth over the past year, leading to affordability issues in some major metro markets that could […] …read more

Source: bubbleinfo.com

Apr 182014
 

By Jim the Realtor Those who live near the new Sage Creek High School in north Carlsbad will have another large new-home tract beginning shortly. The West Village of Robertson Ranch was recently acquired by Toll Brothers, and they expect to be selling new homes there in 2015. Shapell Homes purchased the acreage for $30+ million in 2010 from the Robertson […] …read more

Source: bubbleinfo.com

Apr 182014
 
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Despite the happy-talk from realtors, the housing recovery flounders on low volume, sustained only by low inventory.

Most housing analysts expected sales to increase in 2014. They believed an increase in sales and an increase in price would represent “escape velocity,” a virtuous circle where ri…

Visit the OC Housing News. Discover why you should register and how to use the OC Housing News. Utilize the advanced property search, or the map search. Check out our special offers: property search guide, housing market reports, home ownership cost guide, guide to rent or own decision, home financing guide, foreclosure 101, short sale guide, guide to selling without a realtor, The Great Housing Bubble free PDF, 1.5% rebate on new home construction, no cost home sale program, and maximum impact marketing. Learn why you should use a home guide. Meet our home guides and housing market analysts, and read our testimonials.

Apr 022014
 

http://ochousingnews.com/blog/savers-pay-federal-reserve-policies-inflate-house-prices-save-banks/

http://ochousingnews.com/blog/will-proposition-13-ever-changed/

http://ochousingnews.com/blog/reflating-housing-bubbles-goes-global/

http://ochousingnews.com/blog/rising-rents-will-push-house-prices-higher/

http://ochousingnews.com/blog/pit-bull/

http://ochousingnews.com/blog/california-home-sales-hit-six-year-low/

http://ochousingnews.com/blog/californias-homeowner-bill-rights-increases-foreclosure-timelines/

http://ochousingnews.com/blog/fixing-broken-lower-rungs-property-ladder/

http://ochousingnews.com/blog/weak-job-wage-growth-hobbles-housing/

http://ochousingnews.com/blog/freddie-fannie-reform-will-foil-housing-reflation-efforts/

http://ochousingnews.com/blog/sundays-disneyland/

http://ochousingnews.com/blog/frustrated-home-shopper-takes-revenge-new-homeowner/

http://ochousingnews.com/blog/toxic-loan-peddlers-failed-foresee-housing-crash/

http://ochousingnews.com/blog/housing-market-update-affordability-marginal-prices-flat/

http://ochousingnews.com/blog/convicted-sex-offenders-living-neighborhood/

http://ochousingnews.com/blog/six-reasons-higher-interest-rates-hurt-house-prices/

http://ochousingnews.com/blog/use-oc-housing-news-find-new-home/

http://ochousingnews.com/blog/new-home-rebates-cypress-village-irvine/

http://ochousingnews.com/blog/california-house-prices-fairly-valued-overvalued/

http://ochousingnews.com/blog/lenders-care-keeping-delinquent-borrowers-homes/

http://ochousingnews.com/blog/removing-distressed-house-supply-essential-economic-recovery/

http://ochousingnews.com/blog/permitting-law-units-destroy-good-neighborhoods/

http://ochousingnews.com/blog/renters-deserve-housing-bailouts/

http://ochousingnews.com/blog/oc-housing-news-ownership-cost-calculations-family-homes/

http://ochousingnews.com/blog/another-saturday-life-diyer/

http://ochousingnews.com/blog/rental-parity-establishes-value-residential-real-estate/

http://ochousingnews.com/blog/tax-policy-inflates-house-prices-affluent/

http://ochousingnews.com/blog/24-of-new-government-backed-loans-violate-qualified-mortgage-rules/

http://ochousingnews.com/blog/hamp-loan-modifications-will-become-permanent-housing-subsidies/

http://ochousingnews.com/blog/spring-house-price-rally-called-due-affordability-problems/

http://ochousingnews.com/blog/new-home-rebates-at-pavilion-park-in-irvine/

http://ochousingnews.com/blog/will-chinas-housing-bust-turn-foreign-buyers-into-desperate-sellers/

http://ochousingnews.com/blog/christopher-whalen-recovery-housing-sector-probably/

http://ochousingnews.com/blog/institutional-home-buying-abruptly-tapers/

http://ochousingnews.com/blog/loan-modifications-revived-house-prices-homebuilding-and-the-economy/

http://ochousingnews.com/blog/reflating-housing-bubble-pricing-first-time-homebuyers/

http://ochousingnews.com/blog/new-home-rebates-orchard-hills-irvine/

http://ochousingnews.com/blog/senators-unveil-fannie-freddie-reform-plan/

http://ochousingnews.com/blog/will-loan-amortization-solve-underwater-borrower-problem/

http://ochousingnews.com/blog/republican-tax-reform-proposal-curtails-homeownership-subsidies/

http://ochousingnews.com/blog/new-mortgage-regulations-change-real-estate-markets-work/

http://ochousingnews.com/blog/coastal-california-housing-market-update-prices-hover-on-low-volume/

http://ochousingnews.com/blog/new-home-rebates-baker-ranch-lake-forest/

http://ochousingnews.com/blog/delinquent-mortgage-squatters-victims-intransigent-banks/

http://ochousingnews.com/blog/housing-recovery-built-unstable-foundation/

http://ochousingnews.com/blog/lack-boomerang-buyers-keeping-purchase-originations/

http://ochousingnews.com/blog/man-delivers-demolished-house-repossessing-bank/

http://ochousingnews.com/blog/mortgage-delinquencies-much-higher-reported-squatters-rejoice/

http://ochousingnews.com/blog/line-sand/

http://ochousingnews.com/blog/higher-mortgage-interest-rates-lead-lower-sales-lower-prices/

http://ochousingnews.com/blog/happens-nobody-wants-buy-baby-boomers-houses/

http://ochousingnews.com/blog/investors-and-owner-occupants-purchase-fewer-homes/

http://ochousingnews.com/blog/cheaper-rent-will-people-still-buy-houses/

http://ochousingnews.com/blog/mortgage-mess-resolved-merely-delayed/

http://ochousingnews.com/blog/saturday-life-diyer-2/

http://ochousingnews.com/blog/will-pay-neighbors-irresponsible-borrowing-spending/

http://ochousingnews.com/blog/housing-recovery-falters-2014-dog-ate/

http://ochousingnews.com/blog/investors-buy-non-performing-loans-foreclose-obtain-rental-properties/

http://ochousingnews.com/blog/millennials-wont-qualify-mortgage-2019/

http://ochousingnews.com/blog/is-the-public-growing-weary-of-rising-home-prices/

http://ochousingnews.com/blog/became-necessary-destroy-town-save/

http://ochousingnews.com/blog/congress-should-not-reinstate-the-tax-break-on-forgiven-debt/

http://ochousingnews.com/blog/home-sales-household-formation-purchase-applications-housing-recovery/

http://ochousingnews.com/blog/did-irvines-city-council-payoff-cronies-with-millions-of-dollars/

http://ochousingnews.com/blog/rising-house-prices-fail-match-rising-loan-loss-severities/

http://ochousingnews.com/blog/todays-loan-modifications-tomorrows-distressed-property-sales/

http://ochousingnews.com/blog/who-sets-the-price-of-gold/

http://ochousingnews.com/blog/great-irvine-rubble-pile/

http://ochousingnews.com/blog/housing-recovery-bank-promoted-pump-dump-scheme/

http://ochousingnews.com/blog/rising-mortgage-delinquencies-cause-another-housing-downturn/

http://ochousingnews.com/blog/spring-house-price-rally-to-inflate-new-housing-bubble/

http://ochousingnews.com/blog/mortgage-equity-withdrawal-responsible-for-50-of-current-foreclosures/

http://ochousingnews.com/blog/will-ability-repay-rules-prevent-reckless-lending/

http://ochousingnews.com/blog/electric-pop/

http://ochousingnews.com/blog/saturday-life-diyer/

http://ochousingnews.com/blog/lower-fha-loan-limits-hindering-efforts-reflate-housing-bubble/

http://ochousingnews.com/blog/federal-reserves-taper-could-trample-coastal-california-housing/

http://ochousingnews.com/blog/lenders-peddle-five-year-teaser-rates-toxic-mortgages/

http://ochousingnews.com/blog/nar-manipulates-sales-figures-positive-spin/

http://ochousingnews.com/blog/long-term-weakness-housing-generation-missing-homebuyers/

http://ochousingnews.com/blog/check-out-this-state-of-the-art-real-estate-marketing-video/

http://ochousingnews.com/blog/taper-baby-taper/

http://ochousingnews.com/blog/forget-eminent-domain-invoke-squatters-rights/

http://ochousingnews.com/blog/lenders-attempt-collection-strategic-defaulters/

http://ochousingnews.com/blog/san-francisco-most-overvalued-housing-market-crash-coming/

http://ochousingnews.com/blog/washington-enables-wall-street-pillage-main-street/

http://ochousingnews.com/blog/will-the-homebuilder-at-san-clementes-marblehead-make-money/

http://ochousingnews.com/blog/dont-know-yet/

http://ochousingnews.com/blog/potential-home-ownership-subsidy-changes-would-flatten-coastal-california-house-prices/

http://ochousingnews.com/blog/overcooking-a-recovery-results-in-a-housing-bubble/

http://ochousingnews.com/blog/imprudent-student-debt-debilitates-millennial-home-shoppers/

http://ochousingnews.com/blog/robosigner-david-j-sterns-law-license-terminated/

http://ochousingnews.com/blog/troubling-evidence-new-coastal-california-housing-bubble/

http://ochousingnews.com/blog/repeat-something-enough-times-make-true/

http://ochousingnews.com/blog/flash-crash/

http://ochousingnews.com/blog/how-should-you-prepare-for-dodd-franks-tighter-loan-standards/

http://ochousingnews.com/blog/surprisingly-foolish-housing-market-manipulations-great-britain/

http://ochousingnews.com/blog/can-you-identify-the-dangerous-tipping-point-in-favor-of-foreclosure/

http://ochousingnews.com/blog/must-know-purchase-mortgage-originations/

http://ochousingnews.com/blog/ochn-housing-market-update-oc-forming-bubble/

http://ochousingnews.com/blog/wo-ist-walter/

http://ochousingnews.com/blog/mark-hanson-nobel-prize-winner-robert-shiller-warn-housing-bubble/

http://ochousingnews.com/blog/california-housing-market-predictions-for-2014/

http://ochousingnews.com/blog/2013-housing-recovery-different-bad-way/

http://ochousingnews.com/blog/tony-bliss-cll-games-and-silver-linings/

http://ochousingnews.com/blog/tony-blisss-final-blessing-silver-linings/

http://ochousingnews.com/blog/tony-bliss-1966-2012-rest-peace/

http://ochousingnews.com/blog/burn-baby-burn/

http://ochousingnews.com/blog/sew-week-1508-thats-29-years-ago-math-challenged-people/

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http://ochousingnews.com/blog/oh-night/

http://ochousingnews.com/blog/clot-thickens/

http://ochousingnews.com/blog/houston-problem/

http://ochousingnews.com/blog/subprime-and-exotic-loans-relagated-to-the-fringes/

http://ochousingnews.com/blog/will-lenders-simply-kick-the-can-when-billions-in-helocs-recast-and-payments-skyrocket/

http://ochousingnews.com/blog/homebuyers-unprepared-reality-rising-interest-rates/

http://ochousingnews.com/blog/socal-house-sales-plunge-prices-level-affordability-limit/

http://ochousingnews.com/blog/san-clemente-peoples-champion-sentenced-4-years-jousting-financial-institutions/

http://ochousingnews.com/blog/fannie-freddie-g-fees-increasing/

http://ochousingnews.com/blog/bankers-are-the-biggest-and-worst-slumlords-in-us-history/

http://ochousingnews.com/blog/housing-market-momentum-lost-as-investors-purchase-fewer-homes/

http://ochousingnews.com/blog/mel-watt-poised-reflate-housing-bubble/

http://ochousingnews.com/blog/short-sales-detered-as-tax-forgivness-terminates/

http://ochousingnews.com/blog/fha-lowers-the-boom-on-coastal-california-housing-markets/

http://ochousingnews.com/blog/high-end-foreclosures-getting-due/

http://ochousingnews.com/blog/short-term-rental-luxury-villa-with-incredible-garden-and-pool-minutes-to-beach-ocean-view/

http://ochousingnews.com/blog/judicial-foreclosure-housing-markets-still-ice/

http://ochousingnews.com/blog/banks-lobby-to-make-bad-loans-with-no-risk-retention/

http://ochousingnews.com/blog/are-the-chinese-buying-california-homes-in-large-numbers/

http://ochousingnews.com/blog/look-riverside-county-cashflow-properties/

http://ochousingnews.com/blog/irvines-great-park-covered-4606-homes/

http://ochousingnews.com/blog/will-lenders-circumvent-43-debt-income-cap/

http://ochousingnews.com/blog/thanksgiving-distraction-century-21-real-estate-launches-bizarre-video/

http://ochousingnews.com/blog/loanowners-drowning-debt-21-underwater-40-cant-move/

http://ochousingnews.com/blog/mel-watt-soon-loot-gses-political-gain/

http://ochousingnews.com/blog/west-las-desirable-places-live/

http://ochousingnews.com/blog/fha-increased-fees-high-now-predatory-lender/

http://ochousingnews.com/blog/lender-propaganda-campaign-extolls-adjustable-rate-mortgages/

http://ochousingnews.com/blog/california-housing-recovery-bubble/

http://ochousingnews.com/blog/quantitative-easing-mortgage-interest-rate-stimulus-designed-bail-banks/

http://ochousingnews.com/blog/many-ways-realtors-educate-us-false-information/

http://ochousingnews.com/blog/last-remaining-cashflow-positive-markets-orange-county/

http://ochousingnews.com/blog/home-equity-lines-another-problem-just-harped/

http://ochousingnews.com/blog/demarco-gses-inflated-prices-loan-limits-drop/

http://ochousingnews.com/blog/socal-house-sales-decline-prices-stagnate/

http://ochousingnews.com/blog/mortgage-securitization-is-only-as-good-as-the-mortgage-products-packaged/

http://ochousingnews.com/blog/homebuyer-confidence-hits-record-low-due-to-rising-rates-and-high-prices/

http://ochousingnews.com/blog/san-bernardino-cities-and-zips-with-capitalization-rates-above-7/

http://ochousingnews.com/blog/bankruptcy-foreclosure-short-sale-how-long-before-you-can-purchase-a-home/

http://ochousingnews.com/blog/buyers-react-to-rising-mortgage-rates-with-long-term-rate-locks/

http://ochousingnews.com/blog/deja-vu-repeat-foreclosures-50-of-activity/

http://ochousingnews.com/blog/the-brits-are-reflating-their-housing-bubble-too/

http://ochousingnews.com/blog/did-the-housing-bust-change-homebuyer-attitudes-and-expectations/

http://ochousingnews.com/blog/ten-highest-rated-housing-markets-in-west-los-angeles-county/

http://ochousingnews.com/blog/investors-now-50-of-the-buyer-maker/

http://ochousingnews.com/blog/loanowner-bailout-harp-2-0-bottomed-the-housing-market/

http://ochousingnews.com/blog/2014-will-see-the-rise-of-the-short-sale/

http://ochousingnews.com/blog/lenders-earning-huge-profits-on-can-kicking-efforts/

http://ochousingnews.com/blog/emerging-loanowners-stepping-down-the-housing-ladder/

http://ochousingnews.com/blog/ten-most-undervalued-and-five-most-overvalued-oc-housing-markets/

http://ochousingnews.com/blog/car-lobbying-still-hasnt-passed-sb-30-tax-relief-on-debt-forgiveness-on-a-principal-residence/

http://ochousingnews.com/blog/mortgage-fire-is-realization-of-american-dream/

http://ochousingnews.com/blog/federal-reserve-willfully-ignorant-to-real-cause-of-mls-listing-shortage/

http://ochousingnews.com/blog/with-costs-up-40-california-home-sales-plummet-to-1988-levels/

http://ochousingnews.com/blog/lenders-unwilling-to-loan-to-wealthy-strategic-defaulters-hoocoodanode/

http://ochousingnews.com/blog/housing-bubble-fully-reflated-in-irvine-california/

http://ochousingnews.com/blog/the-pressure-is-on-to-expand-lending/

http://ochousingnews.com/blog/mounting-evidence-of-housing-markets-extreme-sensitivity-to-mortgage-interest-rates/

http://ochousingnews.com/blog/corelogics-shadow-inventory-reporting-is-misleading/

http://ochousingnews.com/blog/coastal-california-real-estate-least-affordabie-in-the-nation/

http://ochousingnews.com/blog/realtors-desperately-lobby-for-higher-loan-limits-to-support-housing/

http://ochousingnews.com/blog/oc-housing-market-ricochets-off-affordability-ceiling/

http://ochousingnews.com/blog/no-the-suburbs-are-not-going-away/

http://ochousingnews.com/blog/amend-extend-pretend-revealed-banks-carry-57b-of-delinquent-fha-loans/

http://ochousingnews.com/blog/fed-chair-yellen-best-choice-to-reflate-the-housing-bubble/

http://ochousingnews.com/blog/could-house-prices-drop-20-from-here/

http://ochousingnews.com/blog/house-prices-volatility-is-the-federal-reserves-failed-mission/

http://ochousingnews.com/blog/how-lenders-liquidate-legacy-loans-will-lift-or-lower-housing-market/

http://ochousingnews.com/blog/the-government-shutdown-is-good-for-cloud-inventory-squatters/

http://ochousingnews.com/blog/are-the-current-market-conditions-favorable-to-buyers/

http://ochousingnews.com/blog/can-education-overcome-kool-aid-intoxication-and-realtor-bullshit/

http://ochousingnews.com/blog/top-eight-reasons-to-be-concerned-about-buying-a-house-in-todays-market/

http://ochousingnews.com/blog/tightening-government-lending-standards-would-bring-back-private-lending/

http://ochousingnews.com/blog/the-bank-settlement-agreement-facilitated-borrowers-losing-their-homes/

http://ochousingnews.com/blog/fha-needs-bailout-as-they-run-out-of-tricks/

http://ochousingnews.com/blog/payment-or-price-what-defines-home-affordability/

http://ochousingnews.com/blog/would-a-legislated-cap-on-appreciation-quell-kool-aid-intoxication/

http://ochousingnews.com/blog/what-will-a-long-term-rise-in-interest-rates-do-to-home-prices/

http://ochousingnews.com/blog/with-rising-interest-rates-loan-assumability-makes-a-comeback/

http://ochousingnews.com/blog/realtors-lament-low-demand-low-supply-and-collapsing-first-time-homebuyer-market/

http://ochousingnews.com/blog/eminent-domain-fever-might-be-spreading-to-san-francisco/

http://ochousingnews.com/blog/equity-share-a-good-option-for-true-housing-bears/

http://ochousingnews.com/blog/how-will-the-federal-reserves-continued-printing-money-impact-housing/

http://ochousingnews.com/blog/factors-to-watch-while-lenders-reflate-the-housing-bubble/

http://ochousingnews.com/blog/the-economy-of-the-00s-a-ponzi-scheme-based-on-housing-debt/

http://ochousingnews.com/blog/the-minimum-down-payment-should-be-at-least-10/

http://ochousingnews.com/blog/fhfa-no-income-on-your-loan-modification-application-no-problem/

http://ochousingnews.com/blog/what-can-we-learn-from-norways-massive-housing-bubble/

http://ochousingnews.com/blog/when-will-first-time-homebuyers-return-to-the-market/

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Dec 202013
 

Landlords profit by charging high rents and spending little on maintenance. Good landlords charge reasonable rents to avoid excessive turnover, and they spend wisely to maintain the quality of their property. Slumlords charge unreasonable rents, and spend only what they are forced to by regulation and code. Landlords maintain properties to the quality of the neighborhood whereas slumlords deteriorate neighborhoods through deferred and avoided maintenance of their properties. Lenders behave as slumlords.

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