Real Estate Lending Collapse: Real Estate Lending Collapse

http://www.youtube.com/watch?v=SkhiXeNYoqU

Real Estate Lending Collapse

At the 1967 Montreal World Fair, Moshe Safdie created an idea for high volume housing that makes sense to satisfy many urban housing needs. http://archives.cbc.ca/dossier.asp?IDDossier=1427&IDCat=353&IDCatPa=262.

From a historic perspective, 100% financing on single family residence purchase was done in response to inner city turmoil and riots in the late 1990s. When people buy homes, they invest in their communities and are less apt to be destroy their surrounding. Los Angeles has benefited with ghettos areas improving. Today, 100% is under pressure to financially perform

A concern is we react to short term finance concerns by throwing out the baby with the bathwater and making it difficult for people to buy at all. We risk further disenfranchising people, who might again decide rioting is a good idea to make their voice heard as they have no vested interests.

Innovative housing solutions should an option to better proportion housing for people's budgets, where the traditional single family residence requires larger uses of resources for all stakeholders.

Many people are stymied about this current real estate melt down. A possible key to understanding this current state of affairs is expressed well by an early 20th century, Russian economist by the name of Nickolai Kondratieff and his THE KONDRATIEFF WAVE.

We are seeing the Kondratieff long wave theory of economics making itself clear in the deleveraging of our economy. In short order, it is interesting in the fact you have to wonder how people actually afford to live. Professor Kondratieff theorized how excesses in prices actually will collapse price structure. His charts are representative through today and offer revealing findings.

I have attrached an interesting web site devoted to his work that some may find illuminating: http://www.kwaves.com/kond_overview.htm This theory makes huge sense if you think how a forest fire sometimes needs to occur to clear brush so seedlings can sprout.

Real Estate Lending Collapse

Real Estate Lending Collapse

http://implodometer.com/

The golden age of real estate is you hope still ahead of us as we learn how to manage the complexity of lending on the dynamic and changing asset classes that comprise modern day real estate.

What once was just a single family residence is now morphed into planned unit developments, master planned communities, condominium developments, condoteles, time shares and mixed use apartments/commercial/hotels and single occupant units.

The question becomes how are investors going to be lured back into the real estate lending arena to better define the critical shortage of housing developing daily, when currently they have been sold a bill of goods that has come up empty by Wall Street? As a nation, it is reported, we need 700,000 new housing units yearly to keep up with existing growth.

Real Estate Lending Collapse

Real estate lending has been my lively hood for 15 years and as of recently, it seems to be faultering badly as an industry.

This blog is devoted to discovering where others might comment or attest to their belief this situation could have been avoided or deem it to be systematic of the process.

My sincere hope is to see a roof over every bodies head because of the fact this is how I believe we might actualize populations to increased levels of wealth, productivity and freedom of expression. I believe you are where you sit and real estate lending is integral to developing the true wealth of nations.