💰$200B Loan Crisis: Banks Hiding Losses
23% of listings cut prices while lenders avoid taking losses on bad debt
Banks are hiding $200 billion in bad loans, desperately avoiding losses while regulators tighten the screws.
At the same time, mortgage defaults have hit crisis levels as borrowers buckle under rising costs.
This perfect storm finally cracked the housing boom, with 23% of listings now cutting prices—the highest rate since 2012.
Commercial Real Estate’s Quiet Winner: Mobile Home Parks
Mobile Home Parks are the only asset type we know of with decreasing supply and increasing demand every year.
The affordable housing crisis is real, and mobile home parks are best equipped to address it.
The vast majority of these assets are still owned by mom-and-pop owners who don’t have the desire, knowledge, or resources to upgrade operations, optimize income, and maximize investor value.
Wellings Capital seeks to provide accredited investors access to mobile home parks and other historically recession-resistant asset types through diversified commercial real estate funds.
Download Wellings Capital’s Free Mobile Home Park eBook to see how the asset class has performed
Sky-high mortgage rates froze out regular buyers, leaving inventory piling up everywhere, especially in Florida.
The red-hot seller's market has flipped buyer-friendly, with distressed assets everywhere and no competition.
For cash investors, this market freeze means golden opportunities to scoop up properties at steep discounts.
In this edition of the AltReports:
🏦 Private lenders hide $200B in extended loans
📊 Mortgage defaults surge to near-crisis highs
💸 23% of listings slash prices—highest since 2012
🧊 Market freeze feeds cash investor frenzy
🏖️ Florida inventory piles up as market cools
Video of the Week: Housing Market CRASHING Out! What You Need To Know
Chart of the Week: State of the Housing Market
Podcast of the Week: Florida Real Estate Just Triggered a National Warning
Private Lenders are Extending and Pretending Broken Loans Away
Banks and private lenders are piling up $200 billion in extended loans instead of taking losses, hiding the rot under the hood.
Regulators are tightening rules and capital is getting squeezed, so those hidden bad debts are about to come back with a vengeance.
That means distressed buyers who dive in now can scoop up mispriced assets.
💡 Investor Takeaway: Start combing through extended loan portfolios now—those forced sales are your ticket to big discounts.
Q1 Mortgage Default Risk Hits Near-Crisis Highs
Mortgage default risk has surged to its second-highest level on record as borrowers buckle under higher living costs.
Economic uncertainty is hitting borrowers through credit cards, rent bills and car loans, with Western states taking the worst of it.
💡 Investor Takeaway: Hunt for non-agency mortgage pools in high-risk regions
Housing Boom Collapses as Price Cuts Surge
The once-unbreakable housing frenzy is finally faltering, with 23% of listings cutting prices—the highest rate since 2012 as buyers recoil from soaring mortgage costs.
Now more than a quarter of markets are slashing prices, turning hot zip codes into bargain havens and dragging overall home values downward.
💡 Investor Takeaway: Keep dry powder ready to snap up these distressed listings before the market re-tightens.
Housing Market Freeze Feeds Investor Frenzy
Sky-high mortgage rates and a drought of listings have choked off traditional buyers and stalled the market.
With retail buyers AWOL, cash-ready investors are circling distressed assets like sharks to a bleed.
💡 Investor Takeaway: Have your funds locked and your offer package ready
HEADLINE: Florida Housing Inventory Piles Up as Market Cools
Florida’s biggest metros are seeing homes sit unsold for around 90 days—a whopping 60% longer than last summer—as high rates and stagnant demand freeze the market.
That backlog is triggering price cuts and delistings, flipping the script from hyperheated seller control to buyer-friendly leverage.
💡 Investor Takeaway: Lean into backlogged Florida listings