Research Notes

Insights on economics, investment, AI, and other topics.

Reports & Analysis

Investigating the Economic Viability of Renting vs Home Buying Over Time

Despite homeownership being demonstrably responsible for immense wealth growth over the last 75 years, the recent environment of elevated mortgage rates paired with slowed HPA makes now one of the few periods where being a renter and investing the capital saved into other asset classes is generally more economically attractive.

2026-02-02 Read More

Housing Market Dynamics for 2026

In 2026 housing supply and demand dynamics in a flat rate environment support a ~5% YoY HPA prediction, which is meaningfully higher than the institutional research consensus of 0-2%. Our analysis justifies this difference in expectation and also proposes a framework for projecting HPA with mortgage rate scenarios in standard economic regimes.

2026-01-21 Read More

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