<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:googleplay="http://www.google.com/schemas/play-podcasts/1.0"><channel><title><![CDATA[Monthly Market Update: Random RE]]></title><description><![CDATA[Various real estate related topics dug into with more detail, to shed light on questions readers have.]]></description><link>https://www.monthlymarketupdate.com/s/random-re</link><image><url>https://substackcdn.com/image/fetch/$s_!DRU9!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2F4a5666f5-0356-46e9-bcb2-b00943ebb73c_1110x1110.png</url><title>Monthly Market Update: Random RE</title><link>https://www.monthlymarketupdate.com/s/random-re</link></image><generator>Substack</generator><lastBuildDate>Sat, 11 Apr 2026 11:21:33 GMT</lastBuildDate><atom:link href="https://www.monthlymarketupdate.com/feed" rel="self" type="application/rss+xml"/><copyright><![CDATA[JJM Holdings Inc.]]></copyright><language><![CDATA[en]]></language><webMaster><![CDATA[monthlymarketupdate@substack.com]]></webMaster><itunes:owner><itunes:email><![CDATA[monthlymarketupdate@substack.com]]></itunes:email><itunes:name><![CDATA[John Maseredjian]]></itunes:name></itunes:owner><itunes:author><![CDATA[John Maseredjian]]></itunes:author><googleplay:owner><![CDATA[monthlymarketupdate@substack.com]]></googleplay:owner><googleplay:email><![CDATA[monthlymarketupdate@substack.com]]></googleplay:email><googleplay:author><![CDATA[John Maseredjian]]></googleplay:author><itunes:block><![CDATA[Yes]]></itunes:block><item><title><![CDATA[What is the Debt-to-GDP Ratio and Why Does it Matter?]]></title><description><![CDATA[Has the United States overleveraged themselves right into the danger zone?]]></description><link>https://www.monthlymarketupdate.com/p/what-is-the-debt-to-gdp-ratio-and</link><guid isPermaLink="false">https://www.monthlymarketupdate.com/p/what-is-the-debt-to-gdp-ratio-and</guid><dc:creator><![CDATA[John Maseredjian]]></dc:creator><pubDate>Wed, 04 Jan 2023 00:32:38 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!zjPP!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Fd15c6865-8354-4711-b423-094c6eb4dc09_1168x450.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!zjPP!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Fd15c6865-8354-4711-b423-094c6eb4dc09_1168x450.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!zjPP!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Fd15c6865-8354-4711-b423-094c6eb4dc09_1168x450.png 424w, https://substackcdn.com/image/fetch/$s_!zjPP!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Fd15c6865-8354-4711-b423-094c6eb4dc09_1168x450.png 848w, https://substackcdn.com/image/fetch/$s_!zjPP!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Fd15c6865-8354-4711-b423-094c6eb4dc09_1168x450.png 1272w, https://substackcdn.com/image/fetch/$s_!zjPP!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Fd15c6865-8354-4711-b423-094c6eb4dc09_1168x450.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!zjPP!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Fd15c6865-8354-4711-b423-094c6eb4dc09_1168x450.png" width="1168" height="450" data-attrs="{&quot;src&quot;:&quot;https://bucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com/public/images/d15c6865-8354-4711-b423-094c6eb4dc09_1168x450.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:450,&quot;width&quot;:1168,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:53964,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:null,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!zjPP!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Fd15c6865-8354-4711-b423-094c6eb4dc09_1168x450.png 424w, https://substackcdn.com/image/fetch/$s_!zjPP!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Fd15c6865-8354-4711-b423-094c6eb4dc09_1168x450.png 848w, https://substackcdn.com/image/fetch/$s_!zjPP!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Fd15c6865-8354-4711-b423-094c6eb4dc09_1168x450.png 1272w, https://substackcdn.com/image/fetch/$s_!zjPP!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Fd15c6865-8354-4711-b423-094c6eb4dc09_1168x450.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.monthlymarketupdate.com/subscribe?&quot;,&quot;text&quot;:&quot;Subscribe now&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.monthlymarketupdate.com/subscribe?"><span>Subscribe now</span></a></p><p>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.</p><p>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.</p>
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   ]]></content:encoded></item><item><title><![CDATA[Why the bond market influences mortgage rates]]></title><description><![CDATA[A quick primer on why bond yields impact mortgage rates]]></description><link>https://www.monthlymarketupdate.com/p/why-the-bond-market-influences-mortgage</link><guid isPermaLink="false">https://www.monthlymarketupdate.com/p/why-the-bond-market-influences-mortgage</guid><dc:creator><![CDATA[John Maseredjian]]></dc:creator><pubDate>Tue, 27 Dec 2022 22:16:31 GMT</pubDate><enclosure url="https://images.unsplash.com/photo-1559526324-593bc073d938?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=MnwzMDAzMzh8MHwxfHNlYXJjaHw0fHxpbnRlcmVzdHxlbnwwfHx8fDE2NzIxNzA2MDM&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://images.unsplash.com/photo-1559526324-593bc073d938?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=MnwzMDAzMzh8MHwxfHNlYXJjaHw0fHxpbnRlcmVzdHxlbnwwfHx8fDE2NzIxNzA2MDM&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://images.unsplash.com/photo-1559526324-593bc073d938?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=MnwzMDAzMzh8MHwxfHNlYXJjaHw0fHxpbnRlcmVzdHxlbnwwfHx8fDE2NzIxNzA2MDM&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080 424w, https://images.unsplash.com/photo-1559526324-593bc073d938?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=MnwzMDAzMzh8MHwxfHNlYXJjaHw0fHxpbnRlcmVzdHxlbnwwfHx8fDE2NzIxNzA2MDM&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080 848w, https://images.unsplash.com/photo-1559526324-593bc073d938?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=MnwzMDAzMzh8MHwxfHNlYXJjaHw0fHxpbnRlcmVzdHxlbnwwfHx8fDE2NzIxNzA2MDM&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080 1272w, https://images.unsplash.com/photo-1559526324-593bc073d938?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=MnwzMDAzMzh8MHwxfHNlYXJjaHw0fHxpbnRlcmVzdHxlbnwwfHx8fDE2NzIxNzA2MDM&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080 1456w" sizes="100vw"><img src="https://images.unsplash.com/photo-1559526324-593bc073d938?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=MnwzMDAzMzh8MHwxfHNlYXJjaHw0fHxpbnRlcmVzdHxlbnwwfHx8fDE2NzIxNzA2MDM&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080" width="1080" height="720" data-attrs="{&quot;src&quot;:&quot;https://images.unsplash.com/photo-1559526324-593bc073d938?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=MnwzMDAzMzh8MHwxfHNlYXJjaHw0fHxpbnRlcmVzdHxlbnwwfHx8fDE2NzIxNzA2MDM&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:720,&quot;width&quot;:1080,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:null,&quot;alt&quot;:&quot;person using phone and laptop computer&quot;,&quot;title&quot;:null,&quot;type&quot;:&quot;image/jpg&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:null,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="person using phone and laptop computer" title="person using phone and laptop computer" srcset="https://images.unsplash.com/photo-1559526324-593bc073d938?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=MnwzMDAzMzh8MHwxfHNlYXJjaHw0fHxpbnRlcmVzdHxlbnwwfHx8fDE2NzIxNzA2MDM&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080 424w, https://images.unsplash.com/photo-1559526324-593bc073d938?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=MnwzMDAzMzh8MHwxfHNlYXJjaHw0fHxpbnRlcmVzdHxlbnwwfHx8fDE2NzIxNzA2MDM&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080 848w, https://images.unsplash.com/photo-1559526324-593bc073d938?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=MnwzMDAzMzh8MHwxfHNlYXJjaHw0fHxpbnRlcmVzdHxlbnwwfHx8fDE2NzIxNzA2MDM&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080 1272w, https://images.unsplash.com/photo-1559526324-593bc073d938?crop=entropy&amp;cs=tinysrgb&amp;fit=max&amp;fm=jpg&amp;ixid=MnwzMDAzMzh8MHwxfHNlYXJjaHw0fHxpbnRlcmVzdHxlbnwwfHx8fDE2NzIxNzA2MDM&amp;ixlib=rb-4.0.3&amp;q=80&amp;w=1080 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a><figcaption class="image-caption">Photo by <a href="https://unsplash.com/@austindistel">Austin Distel</a> on <a href="https://unsplash.com">Unsplash</a></figcaption></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.monthlymarketupdate.com/subscribe?&quot;,&quot;text&quot;:&quot;Subscribe now&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.monthlymarketupdate.com/subscribe?"><span>Subscribe now</span></a></p><p>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 &#8230;</p>
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