Value Play of The Week:
Turnkey 1BD Condo – Proven Cash Flow & Seller Financing!

🏡 $187K | Miramar Beach, FL – High-demand STR with 31 months of documented income! Fully updated, low expenses, and steps from shopping & dining. Cash price is $184000, value is $200k.

• Proven Revenue: $65K over 31 months (14% Gross Rev Avg.).

• Low Expenses: Taxes $87/mo, HOA $226/mo, Utilities ~$110/mo.

• Prime Location: Walk to Grand Boulevard shops, fine dining & Sandestin Resort.

• Revenue History: Averaging $2,096/mo in proven cash flow.

💰 Seller Financing Available!

• Down Payment: $50,000

• Loan Terms: $137,500 at 6% interest (interest-only)

• Monthly Payment: $687.50

• Zero loan originations fees

• 5-Year Balloon

📌 Track Record You Can Trust!

• 31-month Airbnb performance report available, Airbnb documents will be shared with buyer after MEC.

• Newly listed back on Airbnb as of Feb 1.

• Check out the live Airbnb listing: 🔗 Airbnb Listing

• Huge upside potential, great financing, low risk price point, easy to rent at this price point in up and down market. 

  
  📞  Call: 936-701-6171
  📧 Email: [email protected]

🌊 $380K | Tampa, FL: 2BD, 2BA waterfront condo at Sailport Waterfront Suites. Resort amenities, heated pool, strong rental history, and stunning bay views. View Post

🌴 $477K | Indian Shores, FL: 2BD, 1BA condo with deeded beach access. Fully furnished, heated pool, fishing pier, and strong rental history. Sleeps 8. View Post

🏔️ $565K | Ironwood, MI: Renovated 9BD, 6BA tri-plex near Big Powderhorn Mountain. Strong rental history, new appliances, ample parking, and bonus rooms. View Post

🌊 $649K | Hernando Beach, FL: 3BD, 2.5BA waterfront home with screened pool, sunset views, and a new elevator. Kayak from your backyard. Fully furnished STR. View Post

🏡 $700K | Clearwater, FL: 3BD, 2BA home on a corner lot with modern upgrades. Features a pool, firepit, fenced yard, and no rental restrictions. Near golf and dining. View Post

🌴 $725K | St. Petersburg, FL: 2BD, 2BA STR with bonus game room near the Gulf. No rental minimums. Zoned for a guest suite, boat lifts, or a home business. Strong income history. View Post

🌲 $750K | White Haven, PA: 4BD, 3BA log cabin on 5.18 acres with 50-mile Pocono Mountain views. STR earned $135K+ in 2024. Hot tub, fire pit, and entertainment floor. View Post

⛰️ $849K | Waynesville, NC: 3BD, 3BA mountain retreat with stunning views. Features a large deck, fireplace, and high-end kitchen. Strong STR potential. View Post

🏡 $935K | Shelbyville, KY: 3BD, 3BA log cabin on 12.7 acres. Renovated with modern comforts. Includes unfinished basement, large deck, and indoor soccer pavilion. View Post

🌴 $2.1M | Fort Lauderdale, FL: Profitable STR for sale. Financials available. Prime location. Seller relocating for business expansion. DM for details. View Post

The Hidden Housing Crisis: How Banks Are Masking the Foreclosure Wave

The Housing Market is on Borrowed Time

The housing market is a ticking time bomb, propped up by artificial interventions and obscured distress. While mainstream headlines suggest that foreclosures are at historic lows and home values remain stable, the reality is far more fragile.

Behind the scenes, financial institutions and government-backed agencies are manipulating data, deploying temporary stopgaps, and using strategic delays to maintain the illusion of stability. However, warning signs are everywhere—rising inventory, declining affordability, and homeowners struggling with skyrocketing carrying costs.

This isn’t speculation—it’s a mathematical certainty quietly unfolding in real-time. The only question is when the dam will break.

The Foreclosure Mirage: Why the Numbers Don’t Add Up

Banks and government-sponsored enterprises (GSEs) like Fannie Mae and Freddie Mac are actively concealing the true foreclosure crisis. Instead of allowing the market to correct naturally, they are employing four major tactics to suppress foreclosure data:

How They’re Hiding the Crisis:

✅ Forbearance Extensions: Homeowners who haven’t made payments for years are placed into forbearance automatically, keeping them in homes without penalty.

✅ Loan Modifications & Extensions: 40-year mortgage modifications lower payments artificially but keep borrowers trapped in debt for longer.

✅ Bulk Sales of Non-Performing Loans: Since 2008, over 7.4 million distressed mortgages have been offloaded into private investment pools rather than hitting the open market.

✅ Property Destruction & Write-Offs: Some foreclosed homes are being demolished instead of sold, distorting housing supply numbers.

This is not a functioning market. It is a manufactured illusion—one designed to delay the inevitable crash.

Todd Sachs Exposes the Hidden Foreclosure Wave

Real estate expert Todd Sachs has been at the forefront of uncovering the true extent of this hidden crisis. Through his research and expert interviews, he reveals how institutional players are delaying the inevitable market correction.

His findings confirm what many industry insiders already know: the foreclosure wave is real, but banks are keeping it out of sight—at least for now.

The Rising Cost of Homeownership & Market Headwinds

As banks suppress foreclosure data, another force is pushing the market toward correction: the skyrocketing true cost of homeownership, at current price levels, is simply not sustainable.

Unmanageable Carrying Costs

🏡 Florida’s Home Insurance Crisis: The average annual premium is $8,770, compared to a national average of $2,423.

🏡 California’s Housing Affordability Collapse: A median-priced home at $827,500 requires a 20% down payment, yet still results in a $4,500+ monthly mortgage payment.

🏡 National Housing Affordability Index: Dropped to 99 in November 2024, meaning the average family’s income barely covers a mortgage.

As affordability craters, demand has collapsed to its lowest levels since the 2008 GFC, driving a surge in unsold homes—and now builders are starting to panic.

Inventory Surge & Market Stagnation

The number of unsold new homes has soared past 500,000, surpassing levels seen at the peak of the 2007 housing bubble. In response:

📉 31% of builders have cut prices by an average of 5%.

📉 60% are offering incentives, including mortgage rate buy-downs.

📉 Some builders are even advertising 3.99% mortgage rates to attract hesitant buyers.

Yet, even with aggressive discounts, buyers are holding back due to record-low affordability and high interest rates.

Major Markets Feeling the Pain

📊 Austin, TX: 25.9% increase in active listings YoY, with 13,227 homes sitting on the market.

📊 Miami, FL: 63% of listings in November 2024 had been on the market 60+ days with no offers.

📊 Orlando, Fort Lauderdale, Tampa: Over 55% of homes have been listed for two months or longer without selling.

The combination of rising inventory, declining affordability, and hidden distress is setting the stage for a rapid correction.

The Bottom Line: The Housing Market Can’t Hide the Cracks Forever

Despite mainstream claims of stability, the data tells a different story:

✅ Zillow & Realtor.com show increasing price cuts in key markets.

✅ Days on market are rising, especially in overbuilt regions like Florida and Texas.

✅ Builder inventory is at multi-year highs, with unsold homes piling up.

✅ Underwater homeowners are growing, with up to 10% in states like Louisiana and Mississippi already owing more than their homes are worth.

What Happens Next?

As inflation persists, mortgage rates remain high, and cost-of-living pressures mount, the cracks in the housing market facade will break.

The moment institutional investors decide to liquidate or when government intervention fails to suppress distress, or when investors or homeowners have to move, the correction will gain momementum.

The warning signs are here. Are you paying attention?

📢 Stay tuned for Saturday’s STR Scout newsletter, where we’ll dive deeper into the STR housing markets getting hit the worst.

🏡 Maui’s Short-Term Rental Uncertainty Grows. Hawaii’s vacation rental market faces growing instability as vague laws and shifting regulations leave property owners in limbo. A recent crackdown on illegal rentals, coupled with community opposition and unclear policies, has made it increasingly difficult for investors to predict the future of short-term stays on the islands. uncertainty chokes

🏖️ Hawaii’s Vacation Rental Market Remains Strong Despite Challenges. While policy changes create hurdles, data shows that vacation rentals in Hawaii continue to perform well, particularly in tourist-heavy areas. High occupancy rates and strong nightly rates indicate sustained demand, even as the regulatory landscape remains uncertain. Hawaii vacation rentals report

🤖 AI-Powered Smart Bots Are Reshaping Travel. Personalized vacation rental experiences are evolving with AI-driven smart bots, offering travelers custom recommendations and automated customer service. These advancements promise to streamline bookings and enhance guest satisfaction, but also raise concerns about the diminishing role of human interaction in hospitality. AI-powered travel trends

🐂 Indiana Airbnb Experience Offers a Highland Twist. A unique Airbnb rental in Gosport, Indiana, is drawing guests with its Scottish Highland cattle and rural charm. Stark Manor’s farm stay experience offers visitors a peaceful countryside retreat, blending agritourism with modern amenities. Scottish Highland cattle

🏠 Best Places for a Vacation Home in 2025. A new ranking highlights the top destinations for purchasing a second home, with a focus on affordability, rental potential, and lifestyle perks. From scenic coastal retreats to mountain getaways, buyers are eyeing properties that offer both personal enjoyment and investment value. best places

📉 Florida’s Housing Market Sees a Surge in Unsold Listings. Several cities across Florida are experiencing a buildup of unsold homes, signaling a shift in the once red-hot market. Rising inventory levels may provide relief to buyers but could spell challenges for sellers expecting quick sales at peak prices. unsold Florida housing

📊 Phoenix Housing Inventory Jumps 27.3% in the New Year. The number of homes on the market in Phoenix has surged, offering buyers more options but also putting downward pressure on home prices. Experts believe this shift could mark the start of a more balanced market after years of rapid appreciation. Phoenix housing market

🌪️ Southwest Florida Sees Inventory Rise Post-Hurricane. New data from Collier and Lee counties shows a notable increase in available housing, outpacing the rest of Florida. The region’s recovery from recent hurricanes, combined with high insurance costs, is prompting more homeowners to list their properties. rise in housing inventory

💰 Florida Homeowners Get Some Relief on Insurance Costs. After years of skyrocketing premiums, some Florida homeowners are seeing signs of stabilization in the insurance market. New policies and legislative efforts aim to control rising costs, though challenges remain for those in high-risk areas. welcome insurance news

🏗️ Aging Condos in Florida Face a Financial Reckoning. Many older condo buildings are struggling to meet new reserve fund requirements, forcing steep fee hikes or prompting buyouts by developers. As deadlines loom, some condo associations are left with few options but to sell or face insolvency. financial freefall

🏢 Condo Takeovers on the Rise as Developers Spot Opportunity. With high maintenance costs and aging infrastructure, more condo buildings are being bought out by investors and redeveloped. Some residents welcome the change, while others are fighting to keep their homes from being converted. condo takeovers rise

📈 Florida Condo Fees Surge, Raising Concerns. Residents are grappling with escalating monthly fees as associations scramble to meet stricter reserve requirements. Experts warn that these increases could make condo living less affordable for many long-term owners. condo fees crisis

🏡 Top Housing Markets for 2025 Revealed. A new report identifies the hottest real estate markets this year, highlighting cities where job growth, affordability, and migration trends are fueling demand. Investors and homebuyers alike are taking note of these emerging opportunities. top housing markets

💸 How Much Will a $100,000 Home Equity Loan Cost in 2025? As interest rates fluctuate, homeowners looking to tap into their equity should carefully consider loan terms and monthly payments. Financial experts suggest comparing lenders to secure the best possible rate. home equity loan cost

🚧 Trump Tariffs Could Drive Up Home Construction Costs. Proposed tariffs on Canadian and Mexican imports may increase the price of building materials, potentially making new homes more expensive. Industry leaders are watching closely as policy changes unfold. Trump tariffs

🏘️ Retirement Investment Strategies in Light of Policy Shifts. With potential changes to tax laws and social security, retirees and investors are reassessing their portfolios. Experts recommend diversifying assets and staying informed on legislative updates. impact retirement accounts

🏝️ Living in Panama Offers Stability and Charm. Retirees looking for an affordable yet high-quality lifestyle are flocking to Panama, drawn by its favorable tax policies and modern amenities. The country’s stable economy and welcoming expat community make it a top choice for those seeking a tropical escape. living in Panama

⛵ Costa Rica to Get a New Marina in Guanacaste. A major development project is set to enhance tourism and boost the local economy in one of Costa Rica’s most popular regions. The new marina will cater to luxury yachts and eco-tourism, further solidifying the country’s appeal. new marina

🌿 Honduras Emerges as Central America’s Hidden Gem. With pristine beaches and untouched wilderness, Honduras is becoming an attractive destination for travelers and expats alike. Its affordability and natural beauty set it apart as a less-crowded alternative to other tourist hotspots. unspoiled wilderness

Sponsors: Would you like to explore exclusive sponsorship opportunities? Email [email protected].

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