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We’re off to the races and 2023 is already looking like it is going to be a year that will leave a lasting impression on real estate portfolios.

For those who are new to the Monthly Market Update, this is a recurring article that is published once a month when the data for the previous month is released. I present the data, and break it down in the hopes of providing objective actionable information.

Let’s dig in!

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The debt-to-GDP ratio is a measure of a country's debt burden relative to its overall economic output. It is calculated by dividing the total amount of a country's debt by its gross domestic product (GDP), which is the total value of all goods and services produced in a given year.

A high debt-to-GDP ratio can be a cause for concern because it indicates that a country may have difficulty paying off its debt. This can lead to higher borrowing costs, as lenders may demand higher interest rates to compensate for the increased risk of default. A high debt-to-GDP ratio can also put pressure on a country's currency, as investors may become less confident in the ability of the government to pay back its debt and demand a higher return on their investment.

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Mortgage rates and bond yields are closely related because mortgage-backed securities (MBS) are a type of bond. When the bond market is doing well and bond yields are rising, mortgage rates tend to rise as well. This is because investors are willing to pay more for mortgage-backed securities when they expect to receive …

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It’s GO time

Over the last 12 years I’ve followed the housing market very closely. Whether it was to provide actionable insights for clients, to advise Realtors, or simply to satisfy my own curiosity, I’ve kept my finger on the pulse. For years I wrote a monthly blog entitled the Monthly Market Update where I would consi…

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The Great Depression was a severe economic downturn that affected much of the world in the 1930s. It is widely considered one of the most significant events in modern economic history, as it had a profound impact on global politics, society, and the economy.

There are several factors that contributed to the onset of the Great Depression. One of the main causes was the stock market crash of 1929, which wiped out billions of dollars in wealth and sent shockwaves throughout the economy. The stock market crash was caused by a number of factors, including overproduction, speculation, and a lack of regulation.

Another factor that contributed to the Great Depression

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Owning real estate has many benefits compared to renting. One of the main benefits is the potential for wealth creation through property appreciation. When you own a property, its value can increase over time, which can result in a significant financial gain when you sell it. This is especially true in areas with a strong real estate market, where property values tend to rise over time. Additionally, as you pay down your mortgage over the years, you are building equity in the property, which can also increase your wealth.

Another benefit of owning real estate is the potential to generate rental income. If you own a rental property, you can collect rent from tenants, which can provide a consistent stream of income. This can be especially beneficial if you own multiple rental properties, as the income from each property can add up quickly.

Owning real estate also provides a sense of stability and security. When you rent a property, you are at the mercy of your landlord and can be asked to vacate the property at any time.

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Owning real estate can provide several tax benefits to investors. These benefits can help investors to save money on their taxes and grow their wealth over time. Some of the key tax benefits of owning real estate include:

1. Depreciation: One of the primary tax benefits of owning real estate is the ability to claim deprecia…

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