Real estate expert reveals light at the end of the tunnel for housing market

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  • Опубліковано 22 січ 2025

КОМЕНТАРІ • 177

  • @joelballard4955
    @joelballard4955 7 місяців тому +38

    Listening to any realtor about buying a house is the same as listening to a car salesman, or appliance salesman, or any product salesman person speak about a purchase. Buy, buy, buy, the time is perfect, just buy, hurry and buy… I hope that realtor commissions get gutted next month and realtors get reduced to 50k a year.

    • @ericscottstevens
      @ericscottstevens 7 місяців тому +1

      I remember I bought a condo, realtor said the train tracks nearby were not a concern as the train did not run that often to the hydro power plant upriver. That was a huge red flag. That &$#@) train came through at 80mph and shook everyone's building to pieces. John Beck.....thanks for nothing.

    • @newtec-kd6vy
      @newtec-kd6vy 7 місяців тому +3

      Realtors are the biggest waste of money

    • @Hippygypy
      @Hippygypy 7 місяців тому

      Daaa... Your the Fool if you LET them Fool you... Who Doesn't Invest in Something and not doing your Own Research.. That's like Buying a Car Without Test Driving...Dum A..An American

    • @lukethompson5558
      @lukethompson5558 7 місяців тому +1

      Should be on unemployment, $27k per year

    • @huynguyentoantin
      @huynguyentoantin 7 місяців тому

      DID SHE TWLL PEPLE TO BUY NOW?

  • @jimwebb813
    @jimwebb813 7 місяців тому +16

    This all changes when TRUMP is elected, vote TRUMP 2024

    • @danpan001
      @danpan001 7 місяців тому

      Actually Trump never addressed the issue when he was in the office and he doesn't talk about it now. RFK JR IS THE ONE WHO TALKS ABOUT REBUILD AMERICA TO BE AN OWNERSHIP SOCIETY

  • @Genesis-007
    @Genesis-007 7 місяців тому +29

    Yes, MAGANOMICS is the light at the end of the dark Bidenomics tunnel.

    • @Jake-pf4kv
      @Jake-pf4kv 7 місяців тому

      $7 trillion printed under trump

  • @danoalex2977
    @danoalex2977 7 місяців тому +17

    And every year a huge new batch of children graduate high school, where are they going to live?

    • @derekbaker777
      @derekbaker777 7 місяців тому +4

      Good question.

    • @J.D.Vision
      @J.D.Vision 7 місяців тому +2

      Rentals, and sharing living spaces.

  • @Cassander314
    @Cassander314 7 місяців тому +19

    Get 50 million people out of here

  • @martykardaseski7590
    @martykardaseski7590 7 місяців тому +15

    Cut the crap lower the prices make more apartments and so much greed out there stop being greedy

    • @jayc4715
      @jayc4715 7 місяців тому +1

      A response to people saying "stop being greedy" is " stop being cheap"

    • @Mogiron10
      @Mogiron10 7 місяців тому +1

      Everyone wants to make money while they can. Meanwhile the rich gets richer.. nobody will list their home at a 20% discount, everyone wants a “fair” price for it.

    • @catholicdudes7713
      @catholicdudes7713 7 місяців тому +1

      It’s spiritual warfare on greed problems.

    • @iWendyful
      @iWendyful 7 місяців тому +1

      I completely agree! This is such a greedy market.. it’s depressing

  • @user-tv7un4bt9e
    @user-tv7un4bt9e 7 місяців тому +31

    With this inflation there’s no way we can own one
    American dream is gone gone !!!’

    • @AmericanWears
      @AmericanWears 7 місяців тому +6

      Plenty of very affordable houses, problem is they’re usually in the middle of nowhere or dangerous areas.

    • @ericscottstevens
      @ericscottstevens 7 місяців тому +2

      @@AmericanWears Or something is very wrong with the house. Flood plain, occupant damage, old with massive repairs needed, or not owning the land underneath the house, but you own the house that sits on it.

    • @gen_z_hippichikk
      @gen_z_hippichikk 7 місяців тому

      Inflation is a worldwide problem, but here in the USA it’s only “up to 3.2% down from 3.7%,” according to Fox. 🤔

    • @gen_z_hippichikk
      @gen_z_hippichikk 7 місяців тому

      @@AmericanWearsya but there’s rarely much crime in the middle of nowhere, which proves the fact that republicans govern best. 🤔

  • @theopendoor3716
    @theopendoor3716 7 місяців тому +24

    Deport and the homes available will go up.

    • @Hippygypy
      @Hippygypy 7 місяців тому

      Get Rid of The Freaking American Squatters Out of People Homes...So they Can Rent out their Home To A Honest Renter like me. .Who is Homeless... Bidenumics...

    • @jayc4715
      @jayc4715 7 місяців тому

      Nah

    • @Mogiron10
      @Mogiron10 7 місяців тому +2

      Dude, those “people” have families here too… lol

    • @catholicdudes7713
      @catholicdudes7713 7 місяців тому

      They usually demolish affordable homes, and replaced it with luxury homes. Which is outrageously wrong what they are doing, watch “Hey Arnold” movie and you’ll understand gentrification problems here in America. The investor buys up homes, and mark them up higher than what they were before.

  • @jameskirk5906
    @jameskirk5906 7 місяців тому +16

    God Bless our 2020 Elected President Donald J. Trump!!

    • @gen_z_hippichikk
      @gen_z_hippichikk 7 місяців тому

      God blessed Dominion with $787,500,000.00 paid to them by Fox..
      🇺🇸😃👍🇺🇸

    • @Jake-pf4kv
      @Jake-pf4kv 7 місяців тому

      he lost, Inbred!!!!

  • @KarenLavia
    @KarenLavia 7 місяців тому +143

    I think it's time to make it more appealing for potential buyers. Real estate can be quite the rollercoaster! the stress and uncertainty are getting to me. I think I'll cut rents to attract potential buyers and exit the market, but i'm at crossroads if to allocate the entire $680k liquidity value to my stock portfolio?

    • @tatianastarcic
      @tatianastarcic 7 місяців тому +3

      Until the Fed clamps down even further I think we're going to see hysteria due to rampant inflation. If you are in cross roads or need sincere advise on the best moves to take now with financial markets will be best you seek a fin-professional with fiduciary responsibilities who knows about mortgage-backed securities for proper guidance.

    • @Hectorkante
      @Hectorkante 7 місяців тому +4

      this sounds considerable! think you know any advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

    • @tatianastarcic
      @tatianastarcic 7 місяців тому +3

      There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

    • @Michaelparker12
      @Michaelparker12 5 місяців тому

      Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

  • @jamisonmunn9215
    @jamisonmunn9215 7 місяців тому +14

    One simple law all institutional investors cannot own single family homes. That would put millions of homes on the market.

    • @Joe-pz4pj
      @Joe-pz4pj 7 місяців тому +1

      The real estate agents cherry pick the best deals and rent those out. Its so rigged.

    • @kaimetodd
      @kaimetodd 7 місяців тому +2

      But they do rent them out. So you’d want to take a home away from a renter to give to a buyer.

    • @kaimetodd
      @kaimetodd 7 місяців тому +2

      I read somewhere that institutional investors in homes for rent represent just 6% of the rental market. So 94% of the homes owned for rent are owned by mom and pops.

    • @kaimetodd
      @kaimetodd 7 місяців тому

      It’s like saying let’s make a law that a rental car company like Hertz can’t buy new cars to rent out. That way new cars would then be more affordable and plentiful for young buyers of cars.
      Please make that make sense.

    • @Phila80
      @Phila80 7 місяців тому +2

      Institutionsl buyers own 30% of all real estate. Not 6%. What you read was incorrect.

  • @ampovpodcast1624
    @ampovpodcast1624 7 місяців тому +17

    How is there a lite when everything is about to crash

    • @Almost_Made_It
      @Almost_Made_It 7 місяців тому +2

      For the people who don’t have any assets, that’s their only opportunity to own them. Stop treating your house as an investment and start treating it as a home, and there would be no reason for half the population to be eager to see the value of it to drop by 50%.

    • @kingandqueenturben8293
      @kingandqueenturben8293 7 місяців тому

      That would be the explosion. Plain and simple.
      And we all know what the light at the end of the tunnel means. (If you was born before 2000 anyways).
      Got kids tricked into suicide 😅😂

    • @jayc4715
      @jayc4715 7 місяців тому

      Light

  • @ericscottstevens
    @ericscottstevens 7 місяців тому +3

    Property taxes are doubling everywhere.
    So young buyers just got another notch taken out of their confidence.
    Insurance also is going up too.

  • @tmm226
    @tmm226 7 місяців тому +3

    GenZ = Generation of Zombies, this generation has no idea as to how to manage a home..

    • @jayc4715
      @jayc4715 7 місяців тому

      Gen Z is 🗑️

  • @thetraveler2561
    @thetraveler2561 7 місяців тому +12

    Yes, everything is high....young people please vote for Trump!

  • @cajunfamily5227
    @cajunfamily5227 7 місяців тому +5

    People not moving with interest rates the way the are

    • @robertjones2282
      @robertjones2282 7 місяців тому +2

      Cash buyers don't care about rates..It's the over pricing of the homes. 40% to high.

  • @MitchHill-ow6ne
    @MitchHill-ow6ne 7 місяців тому +36

    The crypto market has been unfavorable for months and I keep losing my money selling-off during dips, I'm very scared of holding right now,how do you guys still make so much….?

    • @Lionadmike
      @Lionadmike 7 місяців тому

      VENTURING into the trading world without the help of a profesionals, trading and expecting profit is like turning water into wine you would need a miracle...

    • @MattGuzman-ug8dl
      @MattGuzman-ug8dl 7 місяців тому

      It’s precisely at times like these that investors need to be on guard against the next certainty. You don’t have to act on every forecast. I will also suggest investors to get yourselves a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.

    • @Lionadmike
      @Lionadmike 7 місяців тому

      Following you has been an amazing journey , you have shown me the best way to earn much better profits despite the bad economic situations, God bless you with more knowledge sonia campbell...

    • @GabbyMJ-md2rs
      @GabbyMJ-md2rs 7 місяців тому

      Great to see you guys talking of sonia, Trading on your own can be very dangerous i can testify to that. This woman changed the game for me

    • @MitchHill-ow6ne
      @MitchHill-ow6ne 7 місяців тому

      Any info on how i can liaise with her, i'm new at this

  • @jimdandy7323
    @jimdandy7323 7 місяців тому +6

    ...for forty thousand years housing has been generational...

  • @kroyjrojas1971
    @kroyjrojas1971 7 місяців тому +16

    All lies. Don't fall for it.

  • @SmallBusinessUniversity-gx8wg
    @SmallBusinessUniversity-gx8wg 7 місяців тому +6

    I think that we need to start building more 2-4 unit properties as starter homes. These properties qualify for owner occupied mortgages, but allow a boost in income with rents on other units for affordability.

  • @oldmanfromscenetwentyfour8164
    @oldmanfromscenetwentyfour8164 7 місяців тому +4

    Of course a good portion of GenZer's don't work jobs that can afford to buy a House let alone rent an Apartment. Can't make good money working at Starbucks or with DoorDash. Few have Marketable Skills that Companies are willing to pay the High Salaries for.

  • @Rolandjes37
    @Rolandjes37 7 місяців тому +5

    No we've been taking advantage over for hundreds of years. cuz it's better for some people to just sit on their bums and collect money and not have to work. Not have to go to school not have to participate and helping humanity. Some folks are just greedy I don't want to do anything for anybody but themselves.

  • @FreemanPennington-je5tn
    @FreemanPennington-je5tn 7 місяців тому +5

    Yeah because it'll get better when Trump becomes president

    • @derekbaker777
      @derekbaker777 7 місяців тому

      For a while, but what happens after he leaves Office assuming he gets elected? All it takes is for one President to mess everything up like Biden has done and I don't have faith in the American ppl to do the right thing or else Biden and the left wouldn't be in control right now and it all goes back to what Romans 1:18-32 proclaims.

  • @Yankeefann
    @Yankeefann 7 місяців тому +9

    I’m 32 and since I was 18 I knew I would never own a home let alone a car the system is not built for the avg poor American to succeed

    • @Postokon
      @Postokon 7 місяців тому +2

      Blaming the system because you're a failure?
      We're the same age and we live very different lives

    • @Yankeefann
      @Yankeefann 7 місяців тому +2

      @@Postokon I’m a failure lol i won’t explain myself to ignorant people like you

    • @Postokon
      @Postokon 7 місяців тому +1

      ​@Yankeefann never owning a house or a car makes you a failure sweetheart.
      Your feelings are irrelevant to that sad fact

    • @Yankeefann
      @Yankeefann 7 місяців тому

      @@Postokon there’s more to life then materialistic things in that sense the system has failed to provide the necessary resources for me to be successful based on my level of wealth that’s the truth

    • @Postokon
      @Postokon 7 місяців тому +1

      ​@Yankeefann ...that's the same line that failures give. You aren't special or enlightened, you failed and will use any twisted reasoning to justify it.
      Good luck because it seems like you'll need it

  • @HawaiiBigs-he4kr
    @HawaiiBigs-he4kr 7 місяців тому +2

    In Japan the older a house is the more value it loses as a result they have no homeless people industry. Cute, right?

  • @James.473
    @James.473 7 місяців тому +2

    The housing market isn't just a top issue for Gen-z, it's a top issue across all generations and families who work hard and pay taxes and vote.
    They're not the only ones wishing they could buy a home but it's a out of touch dream.

  • @jag5798
    @jag5798 7 місяців тому

    Let’s be honest it will be years before lower interest rates can happen. It would skyrocket price of houses even more.

  • @alexprinsrealestateagent1263
    @alexprinsrealestateagent1263 7 місяців тому

    I’m a realtor and still managed to miss the window to buy a home a few years ago. Had the money for a down payment saved up. However, it’s all been blown to h*ll with this economy. I’m 37 and have to start all over again. Honestly, think I will be a forever renter. It’s sad to see my down payment money gone to inflation. It’s really hard rn to even put food on the table.

  • @biggmikemike
    @biggmikemike 7 місяців тому +2

    Try paying up to $1200 a month for a studio apartment. Do something about that!

    • @helenkotowske3829
      @helenkotowske3829 7 місяців тому

      It is at least twice that amount in San Francisco. One bedrooms in the Los Angeles area are over $2K, $3K 1B in fancy areas.

    • @biggmikemike
      @biggmikemike 7 місяців тому

      @helenkotowske3829 Oh, I believe you.

  • @666THEMARK666
    @666THEMARK666 7 місяців тому

    Nothing says entry level home like a price tag of 500K+

  • @coldwarkid6611
    @coldwarkid6611 7 місяців тому

    She's ignoring companies such as Black Rock buying up so many properties. This has driven high housing prices and rents.

  • @mariasanteramo2233
    @mariasanteramo2233 7 місяців тому

    The price of house is not probl

  • @Orville123
    @Orville123 7 місяців тому +1

    A person has to build their credit by paying their rent. No shame in that game.

    • @noneshere
      @noneshere 7 місяців тому +1

      Pay yourself the interest.
      Don't play the hold a bigger bag game of credit.
      Freeze all your credit and keep yourself protected from the debt.

  • @denniscarver7681
    @denniscarver7681 7 місяців тому +5

    Young Americans don't freak. I lived it in 1985. You will get your chance and take it when time is right. I walked floors at night like you.

    • @socialconservative1986
      @socialconservative1986 7 місяців тому +3

      This is the absolute most unaffordable market since probably the Great Depression. This isn't the 80's when life was way simpler and a lot more affordable. We are getting screwed from every direction. Until recently, you had the option to live in an affordable apartment in order to save up for a home. Now, our rents are more than lots of people's mortgages. I'm so sick and tired of Boomers acting like they actually had it hard. Statistically, you had it far easier than us

    • @RickyEnEspanol
      @RickyEnEspanol 7 місяців тому

      @@socialconservative1986 boomers won’t get to keep their Covid prices. Poor them.

  • @Dohair879
    @Dohair879 7 місяців тому

    Home ownership has been gone for a very long time. Unfortunately Covid just ruined any chance even more. If you didn’t own before or got a home handed to you it’s pretty much impossible to save up a 20% down payment.

  • @juanitop7512
    @juanitop7512 7 місяців тому

    Lies , the bank who appraise messed up the home prices

  • @tammycharles7622
    @tammycharles7622 7 місяців тому +16

    Well explained.I am a single father, I bought my daughter a house last month, I will continue to preach on your behalf for the whole world to hear that you saved me from huge financial debit with just a little Investment, thank you Zelia Atkinson you're such a life saver.

    • @MerylConnor
      @MerylConnor 7 місяців тому +1

      That's awesome!!! I know nothing about investment and I'm Keen on getting started. What are the strategies?

    • @GeorgeKent-oi6qz
      @GeorgeKent-oi6qz 7 місяців тому

      I'll advise you to work with a financial advisor....Building a good investment portfolio is more complex so I would recommend you seek

    • @ElizabethDaniel-
      @ElizabethDaniel- 7 місяців тому

      Getting Zelia Atkinson really helped me pay off all my debts.I started with what I had left and it was the best decision I ever made.

    • @LibyanHagrieve
      @LibyanHagrieve 7 місяців тому

      *Please I'm new at this, how do i reach her?*

    • @tammycharles7622
      @tammycharles7622 7 місяців тому

      *@Ms Zelia*
      That's her user name

  • @lancecahill5486
    @lancecahill5486 7 місяців тому

    The light at the end of the tunnel starts to illuminate on Election Day when President Trump returns to the White House. Trump 2024 🇺🇸🇺🇸

  • @monroetruss4737
    @monroetruss4737 7 місяців тому +4

    It's freight train

  • @tmm226
    @tmm226 7 місяців тому

    So what is driving this recovery??

  • @Random_Woman
    @Random_Woman 7 місяців тому

    Just GenZ???? Many of us haven’t been able to afford buying a home all the way back to GENX

  • @gen_z_hippichikk
    @gen_z_hippichikk 7 місяців тому +1

    No mention of the investment companies stockpiling rental properties and idling them?

  • @CraigerAce
    @CraigerAce 7 місяців тому

    Nope. Nope. Nope. Never listen to a realtor when making a home buying decision.

  • @PatrickHenry-t1s
    @PatrickHenry-t1s 7 місяців тому +1

    Just make more money. Yall loved that $1200 check so deal with it.

  • @Bobbyrealtalk369
    @Bobbyrealtalk369 7 місяців тому

    Unfordable everything. This bs does not make sense .

  • @camaro-motives4174
    @camaro-motives4174 7 місяців тому

    Work to find peace and build a relationship with mom and dad.

  • @Mlogan11
    @Mlogan11 7 місяців тому

    What going to be available for "entry level buyers"? Is she for real? The entry level market is way beyond the majority of non home owners unless they have rich parents.
    Remember when there was a time you could choose to pay cheap rent in a run down neighborhood if you wanted to save cash? No such thing anymore- it's just high and higher.

  • @lisamontalvo1930
    @lisamontalvo1930 7 місяців тому

    I do not have kids. I would not send them out into this world. Let them stay home with mom and dad and save $. Till they figure out what they want to do. Meaning they already went to college or have a trade position. I was expected to graduate, get married, and move out. Well, that did not last.

  • @KingFergus
    @KingFergus 7 місяців тому

    Lmao...imagine that, a realtor trying to save her job

  • @JonDoe-cg4mr
    @JonDoe-cg4mr 7 місяців тому

    I bought a camper. Gonna travel in luxury. See new places.

  • @JohnsonAlima
    @JohnsonAlima 7 місяців тому +62

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      @JohnsonAlima 7 місяців тому

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    • @GeorgeDickey-rw4hj
      @GeorgeDickey-rw4hj 7 місяців тому

      trading under proper guidance remains the best way to succeed in today's crypto market

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      @Philip0128 7 місяців тому

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    • @shayelynne
      @shayelynne 7 місяців тому +1

      Yeah, $50k from Robert Marion, looking up to acquire a new house, blessings 🙌

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      @JohnsonAlima 7 місяців тому

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  • @MegaOdunn
    @MegaOdunn 7 місяців тому

    You could vote for trump and stop the govt from putting baby momma in 500k $ homes fully paid for and placing immigrant families in a nice HOA neighborhood fully paid for. I mean there is that.. I install services in them every day.

  • @theronmohamed7506
    @theronmohamed7506 7 місяців тому

    Do some Americans actually pronounce realtor as "rel-a-tor" like she does at the start?

  • @Cassander314
    @Cassander314 7 місяців тому

    At least

  • @Scrappyhoops
    @Scrappyhoops 7 місяців тому

    I guess there gonna have to bump there head before they get a clue

  • @oceanbreeze685
    @oceanbreeze685 7 місяців тому

    okay put red tape on banks and foreign investors. ahhhh look ahead ! we see homes available!

  • @nhmooytis7058
    @nhmooytis7058 7 місяців тому +1

    AAANNDD it’s an incoming train 😂

  • @blazerbarrel2
    @blazerbarrel2 7 місяців тому

    Not so

  • @Phila80
    @Phila80 7 місяців тому +2

    All these realtors say there is a light at the end of the tunnel. There are many that are not honest about the true problems that this country faces.
    It is not about interest rates. I could care less if interest rates are 8% or 3%. It's about the price of real estate that is 40% overvalued vs wages. We need high interest rates to control inflation and reward savers who's money is being used to cover these loans by rhe banksters.
    In 2010 the median price of a home was $168,000. Today it is $420,000. This is an average of 18% annual appreciation. Wages HAVE NOT gone up 18% annually. In a normal economy the appreciation is 1% to 2% annually. This would make the median price vs wages at around $200,000 today.
    I would rather by a home at fair market value paying $200,000 at 8% vs paying $400,000 at 3%.

  • @steveholzer4278
    @steveholzer4278 7 місяців тому

    The Interest rates are too high to buy or refinance until Trump 2024 MAGA.

  • @MisterDivineAdVenture
    @MisterDivineAdVenture 7 місяців тому

    CLIP right at :40. Pathetic.

  • @susanjannarone135
    @susanjannarone135 7 місяців тому

    Nobody cares if you own a house or not. God it’s just all about you. Pretty sad for FOX.

  • @amandad6104
    @amandad6104 7 місяців тому

    There's just no way 😂😂

  • @shirleym5152
    @shirleym5152 7 місяців тому

    it can be explosion

  • @stop_lying_to_me
    @stop_lying_to_me 7 місяців тому +3

    Over the last 10 years, the average percentage increase in the poverty rate in Republican-led states has been approximately 15.7%. Considering inflation, the average effective decrease in buying power due to the increase in the poverty rate in Republican-led states is approximately 19.3%. Republican-led state budgets have an average dependency of 34.7% on federal dollars. During Trump's presidency, the U.S. national debt increased 40.43%.

  • @kingandqueenturben8293
    @kingandqueenturben8293 7 місяців тому

    Vote for Trump!😂🎉

  • @justkate2529
    @justkate2529 7 місяців тому

    The two apartment renters and two businesses below us are being tossed out so my landlord can redo the place and raise the rent probably around $400 on each one. I don't have an extra $400 I'm on Social Security- that's all I got-it's not like I can ask them to give me an extra $400. These people being allowed to raise the rent this much is outrageous!! Where is the regulations on this??

  • @stop_lying_to_me
    @stop_lying_to_me 7 місяців тому +1

    During Trump's presidency, the U.S. economy contracted at the fastest rate since 1946. The U.S. national debt increased by 40.43%. The poverty rate increased 1.76%. The U.S. economy lost 2.9 million jobs. The unemployment rate increased by 1.6 percentage points to 6.3%. Trump was the first president since Herbert Hoover during the Great Depression, ninety years ago, to depart office with fewer jobs in the country than when he entered.

    • @RideRedRacer
      @RideRedRacer 7 місяців тому

      what a troll you are. my life was amazing when trump was in office. now i make MORE money and i cant afford anything...

  • @CraigCharley
    @CraigCharley 7 місяців тому

    President Joe Biden needs to declare that STATE BANK'S BE IN CHARGE OF APPRAISAL TO COUNTY LAND. PROPERTY TAXES ARE BEING ABUSED BY REAL ESTATE INVESTORS

  • @trennaclark1366
    @trennaclark1366 7 місяців тому +3

    DEFUND: United Nations so - called peace treaty, Paris Accord agreement, European Union, Environmental Social corporation Governance, Nato, WHO, and WEF.

  • @bubbajackson7878
    @bubbajackson7878 7 місяців тому

    Stop paying for the Ukraine debacle; until that occurs just forget buying a home. Young people get screwed. Thank you Larry Finch.