commit fba846e3c551df7d1022b5637be0e167448c5993 Author: carleyvosburg Date: Sat Jun 14 06:34:33 2025 +0800 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..812ec00 --- /dev/null +++ b/Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md @@ -0,0 +1,59 @@ +
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Rent, mortgage, or just stack sats? First-time property buyers hit historical lows as Bitcoin exchange reserves diminish
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Share
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U.S. family debt simply struck $18T, mortgage rates are ruthless, and Bitcoin's supply crunch is intensifying. Is the old path 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 lots of homes, too couple of coins +
The flippening isn't coming - it's here +
+Real estate is slowing - quick
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For several years, genuine estate has been among the most trustworthy methods to construct wealth. Home values usually increase in time, and residential or [commercial property](https://onestopagency.org) ownership has actually long been thought about a safe investment.
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But today, the housing market is showing indications of a [downturn](https://www.villabooking.ru) unlike anything seen in years. Homes are sitting on the [marketplace](https://www.propertyeconomics.co.za) longer. Sellers are cutting rates. Buyers are battling with high mortgage rates.
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According to current information, the typical home is now costing 1.8% below asking cost - the biggest [discount rate](https://rsw-haus.de) in almost two years. Meanwhile, the time it takes to sell a common home has stretched to 56 days, marking the longest wait in five years.
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BREAKING: The typical US home is now offering for 1.8% less than its asking cost, the biggest discount rate in 2 years.
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This is also among the least expensive readings considering that 2019.
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It existing takes an average of ~ 56 days for the common home to sell, the longest span in 5 years ... pic.twitter.com/DhULLgTPoL
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In Florida, the downturn is a lot more pronounced. In cities like Miami and Fort Lauderdale, over 60% of listings have actually remained unsold for more than 2 months. Some homes in the state are costing as much as 5% below their listed rate - the steepest discount in the country.
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At the same time, Bitcoin (BTC) is ending up being a significantly attractive alternative for financiers looking for a limited, valuable possession.
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BTC recently hit an [all-time](https://vreaucazare.ro) high of $109,114 before [drawing](https://venturahomestexas.com) back to $95,850 since Feb. 19. Even with the dip, BTC is still up over 83% in the past year, driven by surging institutional demand.
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So, as real estate becomes more difficult to sell and more costly to own, could Bitcoin become the supreme store of value? Let's discover out.
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From shortage hedge to liquidity trap
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The housing market is experiencing a sharp slowdown, weighed down by high mortgage rates, inflated home rates, and declining 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 typical U.S. home-sale cost has increased 4% year-over-year, but this boost hasn't translated into a stronger market-affordability pressures have actually kept need suppressed.
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Several essential patterns highlight this shift:
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- The average time for a home to go under [agreement](https://inmobiliariasantander.com.mx) has leapt to 34 days, a sharp increase from previous years, signaling a cooling market.
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- A full 54.6% of homes are now offering listed below their list cost, a level not seen in years, while just 26.5% are selling above. Sellers are progressively required to change their expectations as purchasers get more leverage.
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- The mean sale-to-list price ratio has been up to 0.990, showing more powerful buyer settlements and a decline in seller power.
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Not all homes, nevertheless, are impacted similarly. Properties in prime areas and move-in-ready condition continue to bring in purchasers, while those in less preferable areas or needing renovations are facing steep discounts.
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But with borrowing costs surging, the [housing](https://cyppro.com) market has become far less liquid. Many possible sellers hesitate to part with their low fixed-rate mortgages, while buyers battle with greater regular monthly payments.
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This absence of liquidity is an essential 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 financial unpredictability sticks around and capital looks for more effective stores of value, the barriers to entry and sluggish liquidity of real estate are ending up being major downsides.
[realestateagents.com](http://www.realestateagents.com) +
A lot of homes, too couple of 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 property, which is affected by debt cycles, market conditions, and continuous advancement that expands supply, Bitcoin's total supply is permanently topped at 21 million.
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Bitcoin's outright scarcity is now clashing with surging need, especially from institutional financiers, enhancing Bitcoin's role as a long-lasting store of worth.
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The approval of area Bitcoin ETFs in early 2024 triggered an enormous wave of institutional inflows, significantly moving the supply-demand balance.
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Since their launch, these ETFs have actually drawn in over $40 billion in net inflows, with financial giants like BlackRock, Grayscale, and Fidelity managing the majority of holdings.
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The demand surge has actually taken in Bitcoin at an unprecedented rate, with everyday ETF purchases ranging from 1,000 to 3,000 BTC - far surpassing the approximately 500 brand-new coins mined every day. This growing supply deficit is making Bitcoin increasingly limited outdoors market.
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At the very same time, Bitcoin exchange reserves have actually dropped to 2.5 million BTC, the most affordable level in 3 years. More investors are withdrawing their holdings from exchanges, indicating strong conviction in Bitcoin's long-lasting prospective instead of treating it as a short-term trade.
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Further reinforcing this trend, long-lasting holders continue to dominate supply. As of December 2023, 71% of all had remained unblemished 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 broader pattern points to Bitcoin becoming a significantly tightly held asset with time.
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The flippening isn't coming - it's here
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As of January 2025, the typical U.S. home-sale price stands at $350,667, with mortgage rates hovering near 7%. This mix has actually pushed monthly mortgage payments to tape highs, making homeownership progressively unattainable for younger generations.
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To put this into perspective:
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- A 20% down payment on a median-priced home now goes beyond $70,000-a figure that, in lots of cities, surpasses the total home price of previous decades.
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- First-time homebuyers now represent just 24% of overall buyers, a historic low compared to the long-term average of 40%-50%.
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- Total U.S. family financial obligation has actually surged to $18.04 trillion, with mortgage balances accounting for 70% of the total-reflecting the [growing monetary](https://www.grad-group.com) burden of homeownership.
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Meanwhile, Bitcoin has surpassed property over the past years, boasting a compound yearly development rate (CAGR) of 102.36% since 2011-compared to housing's 5.5% CAGR over the exact same period.
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But beyond returns, a much deeper generational shift is unfolding. Millennials and Gen Z, raised in a digital-first world, see traditional financial systems as sluggish, stiff, and dated.
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The concept of owning a decentralized, borderless possession like Bitcoin is far more enticing than being tied to a 30-year mortgage with unpredictable residential or commercial property taxes, insurance coverage expenses, and maintenance costs.
[realtor.com](http://www.realtor.com/realestateagents) +
Surveys suggest that younger investors progressively prioritize financial versatility and movement over homeownership. Many choose renting and keeping their assets liquid instead of committing to the illiquidity of realty.
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[Bitcoin's](https://dngeislgeijx.homes) mobility, round-the-clock trading, and resistance to censorship align completely with this state of mind.
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Does this mean genuine estate is becoming obsolete? Not completely. It remains a hedge versus inflation and an important property in high-demand locations.
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But the inefficiencies of the housing market - combined with Bitcoin's growing institutional approval - are reshaping investment preferences. For the very first time in history, a digital possession is competing straight with physical real estate as a long-term store of worth.
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