The SINGLE Decision That Set Off Real Estate’s Quiet Collapse | 1481

Epic Real Estate Investing

Matt Theriault

Education, Business, Investing, How To

4.8 • 955 Ratings

🗓️ 4 May 2025

⏱️ 8 minutes

🔗️ Recording | iTunes | RSS

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Summary

The episode discusses the significant impact of the Federal Reserve's decision to freeze interest rates on the real estate market. It highlights how tightened construction lending and high lending standards are causing project delays, stalled developments, and high housing prices. The example of John, a construction company owner who lost a lucrative contract due to financing delays, illustrates the problem. The episode urges real estate investors to adopt new funding strategies, such as using loophole lending to access 0% interest credit and adapting faster funding methods to thrive in the current market conditions. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	This is Terio Media.
0:04.0	Hey, strap in!
0:07.0	It's time for the epic real estate investing show.
0:10.0	We'll be your guides as we navigate the housing market, the landscape of creative financing strategies, and everything you need to swap that office chair for a beach chair.
0:19.0	If you're looking for some one-on-one help, meet us at
0:21.7	rei-aise.com. Let's go. Let's go. Let's go. Let's go. Let's go. Let's go. Let's go. Let's go.
0:27.9	Let's go. The Fed didn't raise rates. It didn't lower them either. It did something worse.
0:32.8	It froze them. And that one decision, it's quietly nuking the real estate market from the inside out.
0:39.3	It's not about prices tanking or people defaulting. It's about something that you're not seeing until it costs you everything.
0:45.3	This affects your house, your rent, your future. So stay with me.
0:51.3	Because what just happened to my buddy John could happen to you next.
0:55.5	Right now, 65% of U.S. banks just tightened construction lending. Translation, builders can't build.
1:02.1	Project stall. And if you think that means prices are about to drop, you're playing the wrong game.
1:08.0	This quiet collapse didn't start with headlines. It started with a decision.
1:12.6	The Fed kept interest rates pinned at 4.5%.
1:15.6	Not up, not down, just stuck.
1:17.6	And in 2025, stuck means dead.
1:21.6	The Fed's own survey exposed it.
1:23.6	Construction lending standards jumped from 4.8% to 14.3% in just one quarter, 12 straight
1:31.2	quarters of tightening credit. That's historic. In tariffs, they're adding over $9,000 per home.
1:38.6	Inflation, still rising. Core PCE just hit 3.5%. In banks, they're bracing for impact. Jamie Diamond said it himself. The economy is encountering significant turbulence.
1:50.0	I've watched three of my own development partners walk away from million-dollar projects in the last 60 days,
	...

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