These Super Lucky Homeowners Are In The Best, Most Enviable Possible Positions

This housing market’s two biggest silver linings [View in browser]( [The Juice Logo] Proprietary Data Insights Top Financial Pro Real Estate ETF Searches This Month Rank Name Searches #1 Vanguard Real Estate Index Fund 10 #2 Schwab US REIT ETF 2 #3 Real Estate Select Sector SPDR Fund 1 #4 ProShares Short Real Estate 1 #5 iShares Mortgage Real Estate ETF 1 #ad [Daily Stock Advice With Actionable Insights]( Brought to you by [Goldco]( [Warren Buffett: Stark Warning On Inflation]( [ Goldco - Warren Buffett: Stark Warning On Inflation]( The new numbers have shown a comeback for inflation, surging to its highest levels in six months, and it’s now looking like there’s little chance our policy makers can put this cat back in the bag. That’s why it’s critical you heed Warren’s Buffet’s advice and “brace yourself”, before it’s too late. That means having a comprehensive strategy to protect your savings and investments from the devastating consequences of inflation. Especially if you have retirement savings that may be at risk. There may never be a better time to protect your financial future for you and your family than right now. Get your hands on this FREE Wealth Protection Kit today and learn how you could shield your savings and investments before it’s too late! [Request your FREE Wealth Protection kit now]( These Super Lucky Homeowners Are In The Best, Most Enviable Possible Positions In [Monday’s Juice](, our Trackstar top five looked at the top searched real estate ETFs among retail investors. Today, we filtered the same search down to financial professionals. The big difference—there’s relatively robust interest in these ETFs from the retail side, but virtually none among the pros. As we continue our October housing is haunted series, we’ll consider why. Starting tomorrow, when we look at the actual stocks that comprise the most popular real estate ETF portfolios. Could it be that financial advisors and such simply don’t want anything to do with housing given the present current environment? Stay tuned. Yesterday, we covered the bad news. The crisis side of this housing market: As of the third week of September, the median sale price of a home in the United States was $372,500. That’s actually up 3.1% year over year. With the interest rate on a 30-year mortgage hovering around 7.5% lately and a 10% down payment ($37,250), the monthly payment on the typical home comes to $2,344. That’s 8.6% higher than our January 2023 calculation. Both numbers are before factoring in the additional expenses. Add in those additional expenses and the monthly payment at the median in America comes in a few bucks under $3,000. Today, we look at the biggest silver linings. And they’re actually pretty big bright spots given their magnitude. No doubt—if you’re walking into this housing market as a first-time buyer or an existing homeowner in an unfavorable spot, you’re pretty much screwed one way or the other. However, if you’re one of the millions of people in solid housing situations, things have never been better. There’s a good chance you have free cash flow coming in, more cash in your pocket or, at the very least, myriad attractive options. For example— - Based on 2022 government data, 84% of outstanding mortgages carry a 5% or lower interest rate. - 63% come in at or lower than 4%. - 42% of homeowners have no mortgage. That’s up from 34% about ten years ago. - 78% of the homeowners with a free-and-clear mortgage (as in, no payment) are 55 years of age or older. If we stop right there, we have a silver lining. A low rate likely means a relatively lower monthly payment than what you’d face if you bought today. No mortgage likely means one of two things: The cash you earn that normally would have gone towards housing stays in your pocket or gets spent elsewhere or you can make the choice to work/earn less and not feel as much financial stress. Of course, other possibilities exist—such as baby boomers using this excess cash to help out their kids—but we think it’s safe to say quite a few are sitting pretty. But let’s not stop right there. Let’s consider some other data to put together closely-related silver lining number two— - Boomers between 58 and 76 years old make up the largest share of home buyers and sellers. - In 2022, boomers accounted for 52% of home sales and 39% for purchases. Both numbers are up 10% from 2021. - Millennials were responsible for just 28% of home purchases in 2022, down from 43% in the previous year. So, you see what’s happening here. The numbers are clear. But the real silver lining is that these boomers—thanks to the massive price appreciation they have experienced, particularly in the nation’s traditionally hottest markets—can sell their existing home, pay cash for a downsized property and still have money left over to save, spend or, yeah, help their kids. Among the older folks who sold and moved, younger boomers (58-to-67) moved the furthest away (a median of 90 miles), older boomers (68-to-76) at 60 miles and the older silent generation at 50 miles. Silver linings. Absolutely. But only if you’re lucky enough to have been born and to have become a homeowner at the right time. The days of striving to duplicate the success of the generations that came before you could very well be gone. At least on housing. As with so much that has to do with money, it all depends on your experience and place in life. One person’s silver lining is another’s dark cloud on the horizon. [Unlock Investment Potential in America’s Aging Population]( With over 80 years of experience, Brookwood Estates is opening its next project in Southeast Michigan for public investment. Don’t miss your opportunity for the potential to secure 8% passive preferred income and 20% - 26% ROI. [Learn more about this investment opportunity today!]( The Bottom Line: From this perspective, housing feels a lot like the rest of our economy. That’s [the story we’ve been telling of the haves and have nots](, on everything from saving to spending to managing debt. That said, there’s almost always a silver lining for investors. Because when you invest there’s almost always an opportunity somewhere. In tomorrow’s Juice, we look at inside real estate ETFs to kick off a discussion on whether or not you should consider investing in the sector, as we continue our housing is haunted series. 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