November 18, 2019

The two-year personal loan rate from commercial banks obtained from the St. Louis Federal Reserve economic database showed no significant increase in the last year. Meanwhile the two-year US treasury decreased 100 basis points during the measured period.

Because of...

September 16, 2019

After reviewing 2010-2019 St. Louis Federal Reserve data on the monthly supply of houses (in months) compared to 10-year constant maturing treasury (CMT) rate, we see a relationship between the increase in supply as rates increase. 

The data is graphed on a scatter...

August 30, 2019

According to the US census, the states that had the most individuals leave in 2018 were:

New York:      - 109,931
Illinois:      -  77,211
California:    -  38,248
Louisiana:     -  24,626
Kansas:        -  10,112...

January 4, 2019

Americans are moving to the South and the West according to the latest United Van Lines’ National Movers Study. The study calculates the percentage of moves inbound and outbound by state. The states with the percentage of inbound moves above 50% experiencing growth. Th...

December 20, 2018

A new report from the US Census Bureau shows state population decreases in nine states. The states that lost population from July 2017 to July 2018 are New York (down 48,510), Illinois (45,116), West Virginia (11,216), Louisiana (10,840), Hawaii (3,712), Mississippi (3...

November 29, 2018

Outstanding foreclosures across New York City and the surrounding counties vary because of employment, income, access to transportation and other factors.

Based on current Zillow data the number of foreclosure is highest in Suffolk county at a total of 1,154 with 503 of...

November 13, 2018

Qualified Opportunity Zones are areas designated by the US Department of the Treasury that are economically distressed and may be eligible for preferential tax treatment. There are 8,762 zones in all and they were created as part of the Tax Cuts and Jobs Act of Decmebe...

July 26, 2018

Searches for HELOCs appear more frequent in Irvine, Honolulu and Denver with Seattle and Charlotte rounding out the top 5. The map below shows the cities with significant search interest.

Disclaimer - This material has been distributed for informational purposes only an...

July 24, 2018

Data from the St. Louis Fed shows rates on 24 month personal loans trending up in recent quarters. 

The recent increase in rate has not kept pace with the increase in 2 year treasury yields. 

The spread of the loan minus treasury rates has decreased from a peak of 10.67%...

July 12, 2018

Institutional investor focus on traditional Fix & Flip (or Hard Money) loans has been the result of several factors. The primary motivation for the increased focus is displayed in the above chart. Fix & Flip loans have a higher yield for assets of similar maturity. In...

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