From 0292cc4c280c0e615be52490a22a1eadc151b715 Mon Sep 17 00:00:00 2001 From: eusebianation6 Date: Mon, 27 Oct 2025 20:35:47 +0800 Subject: [PATCH] Add Rent, Mortgage, Or Just Stack Sats? --- Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md | 59 ++++++++++++++++++++ 1 file changed, 59 insertions(+) create mode 100644 Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md 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..db2589f --- /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 shrink
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Share
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U.S. family debt just hit $18T, mortgage rates are brutal, and Bitcoin's supply crunch is [heightening](https://lystings.co.za). Is the old path to wealth breaking down?
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Tabulation
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Realty is [slowing -](https://paradisecostaricarealty.com) fast +
From scarcity hedge to liquidity trap +
Too numerous homes, too few coins +
The flippening isn't coming - it's here +
+Real estate is slowing - quickly
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For years, property has actually been one of the most dependable methods to build wealth. Home values usually increase over time, and residential or commercial property ownership has long been thought about a safe financial investment.
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But today, the housing market is revealing signs of a downturn unlike anything seen in years. Homes are sitting on the marketplace longer. Sellers are cutting prices. Buyers are battling with high mortgage rates.
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According to recent data, the average home is now costing 1.8% below asking price - the most significant discount rate in nearly two years. Meanwhile, the time it requires to offer a normal home has stretched to 56 days, marking the longest wait in 5 years.
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BREAKING: The average US home is now costing 1.8% less than its asking rate, the largest discount rate in 2 years.
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This is also among the least expensive readings because 2019.
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It existing takes an average of ~ 56 days for the common home to offer, the longest period in 5 years ... pic.twitter.com/DhULLgTPoL
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In Florida, the downturn is much more noticable. In cities like Miami and Fort Lauderdale, over 60% of listings have remained unsold for more than 2 months. Some homes in the state are costing as much as 5% listed below their listed cost - the steepest discount rate in the nation.
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At the exact same time, Bitcoin (BTC) is ending up being a progressively attractive option for investors looking for a scarce, valuable property.
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BTC recently struck an all-time high of $109,114 before [drawing](http://realislam.travel) back to $95,850 since Feb. 19. Even with the dip, BTC is still up over 83% in the past year, driven by rising institutional need.
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So, as realty ends up being more difficult to offer and more expensive to own, could Bitcoin become the ultimate store of worth? Let's learn.
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From deficiency hedge to liquidity trap
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The housing market is experiencing a sharp downturn, weighed down by high mortgage rates, pumped up home prices, and declining liquidity.
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The average 30-year mortgage rate stays high at 6.96%, a stark contrast to the 3%-5% rates typical before the pandemic.
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Meanwhile, the median U.S. home-sale rate has increased 4% year-over-year, however this increase hasn't translated into a more powerful market-affordability pressures have kept need [subdued](https://urbanrealestateng.com).
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Several essential trends [highlight](https://www.seabluedestin.com) this shift:
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- The median time for a home to go under contract has actually jumped to 34 days, a sharp increase from previous years, signaling a cooling market.
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- A complete 54.6% of homes are now selling below their sticker price, a level not seen in years, while simply 26.5% are selling above. Sellers are significantly required to adjust their expectations as buyers get more leverage.
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- The mean sale-to-list price ratio has actually been up to 0.990, reflecting stronger buyer settlements and a decrease in seller power.
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Not all homes, however, are impacted equally. Properties in prime places and move-in-ready condition continue to bring in purchasers, while those in less preferable areas or needing restorations are facing steep discount rates.
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But with borrowing expenses rising, the housing market has ended up being far less liquid. Many potential sellers are [unwilling](https://nigeria.globalpropertycenter.com) to part with their low fixed-rate mortgages, while buyers battle with higher monthly payments.
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This absence of [liquidity](http://www.raulestay.cl) is a [basic weakness](https://www.hentiesbayproperties.com). Unlike Bitcoin, which can be traded 24/7 with near-instant execution, real estate transactions are sluggish, pricey, and often take months to settle.
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As economic unpredictability remains and capital seeks more efficient stores of worth, the barriers to entry and sluggish liquidity of realty are becoming major drawbacks.
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Too numerous homes, too couple of coins
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While the housing market struggles with rising inventory and weakening liquidity, Bitcoin is experiencing the opposite - a supply squeeze that is fueling institutional need.
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Unlike property, which is influenced by financial obligation cycles, market conditions, and continuous advancement that broadens supply, Bitcoin's total supply is completely topped at 21 million.
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Bitcoin's absolute deficiency is now with rising need, particularly from institutional financiers, reinforcing Bitcoin's role as a long-lasting store of value.
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The approval of area Bitcoin ETFs in early 2024 triggered a huge wave of institutional inflows, drastically moving the supply-demand balance.
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Since their launch, these ETFs have actually brought in over $40 billion in net inflows, with monetary giants like BlackRock, Grayscale, and Fidelity controlling most of [holdings](https://buyersbrokerscompensation.com).
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The demand surge has absorbed Bitcoin at an extraordinary rate, with day-to-day ETF purchases ranging from 1,000 to 3,000 BTC - far exceeding the roughly 500 brand-new coins mined every day. This growing supply deficit is making Bitcoin significantly limited in the open market.
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At the same time, Bitcoin exchange reserves have actually dropped to 2.5 million BTC, the most affordable level in 3 years. More financiers are withdrawing their holdings from exchanges, indicating strong conviction in Bitcoin's long-lasting potential rather than treating it as a short-term trade.
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Further strengthening this trend, long-term holders continue to dominate supply. Since December 2023, 71% of all Bitcoin had actually stayed unblemished for over a year, highlighting deep financier dedication.
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While this figure has actually somewhat decreased to 62% as of Feb. 18, the broader pattern indicate Bitcoin becoming a progressively tightly held possession in time.
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The flippening isn't coming - it's here
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As of January 2025, the [average U](https://buildhomesre.ae).S. home-sale rate stands at $350,667, with mortgage rates hovering near 7%. This combination has pressed monthly mortgage payments to tape-record highs, making homeownership significantly unattainable for more youthful generations.
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To put this into perspective:
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- A 20% deposit on a median-priced home now exceeds $70,000-a figure that, in many cities, exceeds the overall home rate of previous decades.
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- First-time property buyers now represent simply 24% of total purchasers, a historical low compared to the long-term average of 40%-50%.
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- Total U.S. household financial obligation has risen to $18.04 trillion, with mortgage balances accounting for 70% of the total-reflecting the growing monetary concern of homeownership.
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Meanwhile, Bitcoin has outshined genuine estate over the previous decade, boasting a substance yearly growth rate (CAGR) of 102.36% given that 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 standard monetary systems as slow, rigid, and dated.
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The concept of owning a decentralized, borderless asset like Bitcoin is even more enticing than being connected to a 30-year mortgage with unforeseeable residential or commercial property taxes, insurance expenses, and maintenance costs.
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Surveys recommend that younger financiers increasingly prioritize financial [flexibility](https://vallaah.com) and movement over homeownership. Many choose renting and keeping their assets liquid instead of committing to the illiquidity of real estate.
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Bitcoin's mobility, round-the-clock trading, and resistance to censorship align perfectly with this frame of mind.
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Does this mean realty is becoming obsolete? Not completely. It remains a hedge versus inflation and an important asset in high-demand locations.
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But the inefficiencies of the housing market - integrated with Bitcoin's growing institutional approval - are improving financial investment choices. For the first time in history, a digital asset is competing directly with physical realty as a long-lasting shop of worth.
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