commit 7d6bd1566f60d772bd84222102096eb6f765745e Author: evieeastham960 Date: Tue Dec 16 10:53:57 2025 +0000 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..96c7c70 --- /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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U.S. household debt simply hit $18T, mortgage rates are harsh, and Bitcoin's supply crunch is intensifying. Is the old path to wealth breaking down?
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Table of Contents
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Property is slowing - quick +
From scarcity hedge to [liquidity](https://elxr.ae) trap +
Too numerous homes, too couple of coins +
The flippening isn't coming - it's here +
+Property is slowing - quickly
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For years, property has actually been one of the most dependable methods to build wealth. Home worths typically increase with 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 slowdown unlike anything seen in years. Homes are sitting on the market longer. Sellers are cutting rates. Buyers are fighting with high mortgage rates.
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According to recent data, the typical home is now selling for 1.8% below asking cost - the most significant discount rate in almost two years. Meanwhile, the time it requires to sell a common home has actually 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 in 2 years.
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This is likewise one of the lowest readings since 2019.
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It existing takes approximately ~ 56 days for the typical home to offer, the longest period in 5 years ... pic.twitter.com/DhULLgTPoL
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In Florida, the downturn is even more pronounced. In cities like Miami and Fort Lauderdale, over 60% of listings have stayed unsold for more than 2 months. Some homes in the state are offering for as much as 5% below their market price - the steepest discount in the country.
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At the exact same time, Bitcoin (BTC) is becoming a significantly attractive option for financiers seeking a scarce, valuable possession.
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BTC recently struck an all-time high of $109,114 before drawing back to $95,850 since Feb. 19. Even with the dip, BTC is still up over 83% in the previous year, driven by surging institutional need.
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So, as real estate ends up being more difficult to sell and more costly to own, could Bitcoin emerge as the supreme shop of value? Let's learn.
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From shortage 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 rates, and decreasing liquidity.
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The typical 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 average U.S. home-sale rate has increased 4% year-over-year, however this boost hasn't translated into a more powerful market-affordability pressures have kept need controlled.
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Several key trends highlight this shift:
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- The mean time for a home to go under agreement has jumped to 34 days, a sharp increase from previous years, indicating a cooling market.
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- A complete 54.6% of homes are now selling below their list cost, a level not seen in years, while simply 26.5% are selling above. Sellers are [progressively required](https://lucasluxurygroups.com) to adjust their expectations as purchasers acquire more take advantage of.
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- The median sale-to-list rate ratio has fallen to 0.990, showing stronger buyer negotiations and a decline in seller power.
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Not all homes, however, are affected similarly. Properties in prime areas and move-in-ready condition continue to attract buyers, while those in less desirable areas or requiring restorations are dealing with high discounts.
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But with loaning expenses rising, the housing market has actually ended up being far less liquid. Many possible sellers are reluctant to part with their low fixed-rate mortgages, while buyers struggle with greater regular monthly [payments](https://infinityhousing.in).
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This lack of liquidity is a basic weak point. Unlike Bitcoin, which can be traded 24/7 with near-instant execution, realty transactions are sluggish, pricey, and often take months to finalize.
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As financial unpredictability lingers and capital looks for more efficient shops of value, the barriers to entry and sluggish liquidity of property are becoming significant disadvantages.
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A lot of homes, too couple of coins
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While the housing market has problem with rising stock and weakening liquidity, Bitcoin is experiencing the opposite - a supply capture that is sustaining institutional need.
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Unlike property, which is affected by financial obligation cycles, market conditions, and ongoing advancement that broadens supply, Bitcoin's total supply is permanently capped at 21 million.
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Bitcoin's outright deficiency is now clashing with rising demand, particularly from institutional financiers, enhancing Bitcoin's role as a long-term shop of worth.
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The approval of area Bitcoin ETFs in early 2024 triggered a massive wave of institutional inflows, drastically shifting the supply-demand balance.
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Since their launch, these ETFs have actually attracted over $40 billion in net inflows, with monetary giants like BlackRock, Grayscale, and Fidelity managing most of holdings.
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The need rise has taken in Bitcoin at an extraordinary rate, with day-to-day ETF purchases ranging from 1,000 to 3,000 BTC - far surpassing the approximately 500 brand-new coins mined each day. This growing supply deficit is making Bitcoin increasingly scarce outdoors market.
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At the same time, Bitcoin exchange reserves have dropped to 2.5 million BTC, the least expensive level in 3 years. More financiers are withdrawing their holdings from exchanges, signaling strong conviction in [Bitcoin's long-term](https://property.listiwo.com) possible rather than treating it as a short-term trade.
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Further reinforcing this trend, long-term holders continue to dominate supply. Since December 2023, 71% of all Bitcoin had actually remained untouched for over a year, highlighting deep investor commitment.
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While this figure has actually slightly declined to 62% since Feb. 18, the more comprehensive pattern indicate Bitcoin ending up being an [increasingly securely](https://mohali.homes) held asset in time.
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The [flippening](https://acebrisk.com) isn't coming - it's here
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As of January 2025, the median U.S. [home-sale](https://factrealestate.com) price stands at $350,667, with mortgage rates hovering near 7%. This combination has actually pushed monthly mortgage payments to record highs, making homeownership significantly unattainable for more youthful generations.
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To put this into viewpoint:
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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, exceeds the total home rate of previous years.
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- First-time property buyers now represent just 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 surged to $18.04 trillion, with mortgage balances accounting for 70% of the total-reflecting the growing financial problem of homeownership.
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Meanwhile, Bitcoin has [exceeded genuine](https://enya.estate) estate over the past years, boasting a compound annual development rate (CAGR) of 102.36% because 2011-compared to housing's 5.5% CAGR over the very 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 sluggish, rigid, and outdated.
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The idea of owning a decentralized, borderless property like Bitcoin is much more enticing than being connected to a 30-year mortgage with unforeseeable residential or commercial property taxes, insurance costs, and maintenance expenses.
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Surveys [recommend](https://rubaruglobal.com) that younger financiers significantly [prioritize monetary](http://mambotours.rs) versatility and mobility over homeownership. Many prefer leasing and [keeping](https://www.kpservices.ie) their possessions liquid instead of committing to the illiquidity of property.
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Bitcoin's portability, round-the-clock trading, and resistance to censorship align completely with this frame of mind.
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Does this mean genuine estate is ending up being outdated? Not entirely. It remains a hedge against inflation and a valuable property in high-demand areas.
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But the inefficiencies of the housing market - integrated with Bitcoin's acceptance - are improving investment choices. For the very first time in history, a digital possession is competing directly with physical property as a long-lasting store of worth.
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