• buzz86us@lemmy.world
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        6 months ago

        We need to remove mortgage backed securities as well housing shouldn’t be part of a portfolio… I am really hating how properties in in demand areas is allowed to sit and decay. There are many properties in Manhattan that have done nothing for decades. There also needs to be fewer regulations with regard to what can be done with them. I really wouldn’t mind a decent Japanese style pod hotel if the price was like $10. An old office building would do well for that.

        • ryathal@sh.itjust.works
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          6 months ago

          Mortgage backed securities are a huge part of the mortgage market. Without them it would be more difficult to get a mortgage as there would be less liquidity in the market. The low rates caused a problem though, because investors sought better returns than 1-2% and bought real estate directly.

    • ryathal@sh.itjust.works
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      6 months ago

      I’m not sure housing is even a commodity currently. Commodities tend to be interchangeable and generally are affordable or low margin. None of those is true with housing currently.