And corporate landlords that form duopolies and then price fix.
this post was submitted on 12 Jan 2026
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Neoliberal
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Trump just hatched a plan to lower mortgage rates, because clearly that's why no one can afford housing.
They know full-well we can't afford housing because they refuse to pay higher wages, but that's money flowing the "wrong" way, so that's not going to happen as long as the billionaires hold the reins.
Clearly Americans need more debt.
What's the "plan"?
Get the fed to lower rates. It's why he's attacking Powell now, he's not lowering them fast enough.
It's a stupid as shit plan, cause this is the only lever the federal government has to pull for a recession and pulling it early causes increased inflation, but Trump ain't much of one of those thought-havers.
It also won't even work, in a more direct, mechanical sense.
The Fed lost control of the actual interest rate months ago now.
Because we also have an ongoing credit/liquidity crisis, because of how much fraud has been going on Wall Street, and we're also having a currency crisis, because the Japanese carry trade is is unwinding, and foreign nations are buying less of our debt, but our need to issue it is skyrocketing.
So... debt crisis, liquidity crisis, currency crisis... all at the same time.
(By the way the government is gonna shut down again, Jan 30th, unless they figure out another emergency budget. So... get ready for that...)
Those things forced, and continue to force, actual rates outside of the channel the Fed sets for rates, they force rates higher.
Oh and because the interest rate the Fed sets, or tries to, doesn't actually just, directly change mortgage rates.
Mortgage rates are set by banks, who look at ... the above bond market and rates which I just described, along with many other things.
Oh and finally... mortgage rates also don't directly correlate very well to ... actual home prices.
They correspond to regular payments on a mortgage. Not... the amount you're taking out a mortgage on.
See this is all a bit more complicated than Dementia Don can comprehend.
He just wants a big mac, a participation trophy, and people telling him he's a good boy.
... he bankrupted multiple casinos.
What is happening now is just, duh, obviously, what would happen if you made this idiot President.
Again.
He actually understands nothing 💀💀💀
Look out! Those spooky skeletons are chasing your comment!!!
I assume it is either a concept of a plan or actually something that makes it even worse while dressed up as something that sounds positive. It is always one of those two things with Trump.
Is it the 50 year mortgage scam?
Probably.
Mainly yes wages and houses that were 150k like 6 years ago now costing 500k is definitely a major issue, but I have heard that the interest rates are stopping people from selling because they can't justify picking up a new much higher rate even if they wanted to downsize/move.
I think a lot of boomers might sell if the interest rate can go down, but who knows if that will actually affect prices... They might just pull some greedy b.s "I only sell at max price or hold it for the kids."
They might just pull some greedy b.s "I only sell at max price or hold it for the kids."
Pretty sure that's what most people aim for.
It really gets so old. The only way to avoid housing costs being insane is multi generational living or having a bunch of roommates. Ironically, this allows for better community activism which is why they fought so hard for individual family homes after WW2. It's rough that capitalism always allows for short sighted idiots to be the ones that excel.
multi generational living or having a bunch of roommates
These are the same thing, except that you're related to your roommates in the first case and may or may not be in the second.
That's true. It's a little more risky to buy a house with random roommates, but I get what you're saying.
Eh, might be splitting hairs, but multigenerational living can look a bit more like a coop apartment than just having roommates.
Had a discussion with my dad about the concept and it's captured his imagination recently, but in his mind it's a tri-or-quadplex currently owned by someone renting out each unit, and having him and my mom in one, my grandparents in the other, and up to two interested familial subunits in the others (👋, maybe my brother or interested aunt/uncle/cousin).
I was personally thinking about one of those older big heritage properties that folks aren't interested in due to the labour + rules involved for one family unit (which is closer to the roommate model), didn't consider the tri/quadplex approach but kind of dig it. Need to learn more about what's involved to prod further (was firmly in the 'probably just gonna rent until I die' camp, so there's lots about real estate and coop ownership I need to learn).
i say the greedy landlords are likely to be corporate ones or RICH ones.
That's Neoliberalism. It follows in it's Austrian School and Chicago School economic traditions, which claim that deregulated markets are compatible with leftwing social and cultural values, when they're not.
https://en.wikipedia.org/wiki/Neoliberalism#Traditions
This is the Neoliberal economy working as intended. Of course it's going to created an ever expanding wealth gap. Neoliberalism is stupid, and not even remotely leftwing.
It's centrists and rightwing economics "leftwashed". You're all being played, tricked into being rightwing without having to admit it. Try that link if you don't believe me.
Nobody believes Neoliberalism is left wing lol, it's virtually the most radically pro-capital ideology.
Just build more housing!
YIMBY=good NIMBY=bad
That's literally illegal.
We have to fix the zoning code first.
That's very clearly part of the "building housing" process.
Yes, but only in the sense that it's a prerequisite to it.
The point is that it's not just about waiting for developers to do their thing; it requires political action from the general public. You, each person reading this, have to get off your butt and help make it happen by lobbying your local reps for zoning reform.