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Are we going to legislate mass evictions?
The “Humans over Private Equity for Homeownership Act” is a bill sponsored by Senator Jeff Merkley (D-Oregon) and co-sponsored by Angus King (I-Maine…
Jun 12
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Kevin Erdmann
14
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Are we going to legislate mass evictions?
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High Debt-to-Income Ratios
One facet of mortgage data that you normally see cited by credit hawks is that debt-to-income (DTI) ratios are high on new mortgages.
Jun 10
•
Kevin Erdmann
8
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High Debt-to-Income Ratios
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9
More on Glaeser and Gyourko's data
In the previous post, I discussed a new paper from Edward Glaeser and Joseph Gyourko.
Jun 9
•
Kevin Erdmann
26
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More on Glaeser and Gyourko's data
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The elephant in the room
Oof.
Jun 5
•
Kevin Erdmann
25
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The elephant in the room
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20
Indianapolis suburbs place new straw on camel's back
I have an op-ed in today’s IndyStar. Please go read that first. More is below.
Jun 4
•
Kevin Erdmann
14
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Indianapolis suburbs place new straw on camel's back
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Hovnanian 2Q 2025 Earnings Follow Up
Some more details on Hovnanian earnings below the paywall.
Jun 4
•
Kevin Erdmann
3
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Hovnanian 2Q 2025 Earnings Follow Up
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April 2025 Residential Home Sales
Sorry I’m a bit late to this month’s update.
Jun 1
•
Kevin Erdmann
3
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April 2025 Residential Home Sales
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May 2025
Fannie & Freddie: Follow-Up
Today FHFA director Bill Pulte gave an interview on CNBC that either clarified or confused things more on Fannie and Freddie.
May 28
•
Kevin Erdmann
5
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Fannie & Freddie: Follow-Up
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Fannie and Freddie: It’s not about the rates
The Trump administration has been putting the privatization of Fannie Mae and Freddie Mac in the headlines.
May 27
•
Kevin Erdmann
7
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Fannie and Freddie: It’s not about the rates
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A conversation about cities
Steve Randy Waldman is a writer and thinker with an extensive online following.
May 22
•
Kevin Erdmann
23
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A conversation about cities
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22
Hovnanian 2Q 2025 Earnings
Hovnanian Enterprises reported 2nd quarter earnings this morning.
May 20
•
Kevin Erdmann
2
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Hovnanian 2Q 2025 Earnings
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April 2025 Erdmann Housing Tracker and Inflation
Inflation (excluding rent - and you should exclude rent) is now nearing 3 full years running tightly along the 2% target.
May 19
•
Kevin Erdmann
1
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April 2025 Erdmann Housing Tracker and Inflation
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