San Diego S Housing Crisis
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Solving The San Diego Region S Housing Crisis
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Author :
language : en
Publisher:
Release Date : 2001
Solving The San Diego Region S Housing Crisis written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Cities and towns categories.
Speculation And The Housing Crisis
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Author :
language : en
Publisher:
Release Date : 1980
Speculation And The Housing Crisis written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1980 with Housing categories.
San Diego S Housing Crisis
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Author :
language : en
Publisher:
Release Date : 1989
San Diego S Housing Crisis written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1989 with Housing categories.
In The Matter Of Interim Hearing On The Housing Crisis
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Author : California. Legislature. Senate. Select Committee on Housing and Urban Affairs
language : en
Publisher:
Release Date : 1980
In The Matter Of Interim Hearing On The Housing Crisis written by California. Legislature. Senate. Select Committee on Housing and Urban Affairs and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1980 with Housing policy categories.
The Housing Crisis In California And Beyond
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Author : Singchou Wu
language : en
Publisher: AuthorHouse
Release Date : 2020-11-09
The Housing Crisis In California And Beyond written by Singchou Wu and has been published by AuthorHouse this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-11-09 with Law categories.
The author came to the US in 1962 from Taiwan and worked for $1 an hour while federal minimum wage was $1.15 an hour. By 1969, he got a Master of Science Degree, a Ph.D. in Statistics and a teaching job at California Polytechnic State University in San Luis Obispo, CA. He bought his first house in October 1972 in the town. He predicted that housing prices in California would rise rapidly, as he and his wife quickly jumped into housing business. By 1979 they built two apartments, got California Building Contractor License and owned many rental housing units. The rising house prices made them instant millionaires. He explains why the US has turned from a land of opportunity for everyone into a land of desperation for many. He explains how to get back to the good old days, bring back America, the land of opportunity.
Crisis Of A Coastal Metropolis
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Author : Jack V. Lovell
language : en
Publisher:
Release Date : 2005
Crisis Of A Coastal Metropolis written by Jack V. Lovell and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with categories.
Homewreckers
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Author : Aaron Glantz
language : en
Publisher: HarperCollins
Release Date : 2019-10-15
Homewreckers written by Aaron Glantz and has been published by HarperCollins this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-10-15 with Business & Economics categories.
“[I] can’t recommend this joint enough. ... An illuminating and discomfiting read.” —Ta-Nehisi Coates "Essential reading." —New York Review of Books A shocking, heart-wrenching investigation into America’s housing crisis and the modern-day robber barons who are making a fortune off the backs of the disenfranchised working and middle class—among them, Donald Trump and his inner circle. Two years before the housing market collapsed in 2008, Donald Trump looked forward to a crash: “I sort of hope that happens because then people like me would go in and buy,” he said. But our future president wasn’t alone. While millions of Americans suffered financial loss, tycoons pounced to heartlessly seize thousands of homes—their profiteering made even easier because, as prize-winning investigative reporter Aaron Glantz reveals in Homewreckers, they often used taxpayer money—and the Obama administration’s promise to cover their losses. In Homewreckers, Glantz recounts the transformation of straightforward lending into a morass of slivered and combined mortgage “products” that could be bought and sold, accompanied by a shift in priorities and a loosening of regulations and laws that made it good business to lend money to those who wouldn’t be able to repay. Among the men who laughed their way to the bank: Trump cabinet members Steve Mnuchin and Wilbur Ross, Trump pal and confidant Tom Barrack, and billionaire Republican cash cow Steve Schwarzman. Homewreckers also brilliantly weaves together the stories of those most ravaged by the housing crisis. The result is an eye-opening expose of the greed that decimated millions and enriched a gluttonous few.
Locked Out
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Author : Erin Riches
language : en
Publisher:
Release Date : 2000
Locked Out written by Erin Riches and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000 with Housing categories.
Using the most recent available data, this report attempts to identify: • The dimensions of Californias housing problems; • The impact of the states housing problems on low and middle income Californians; • The causes of the current crisis; • The variation of housing problems among regions and population groups; and • The role public policies can play in supporting affordable housing. [...] Since the mid-1980s, incomes of the bottom 60 percent of Californias families have fallen after adjusting for inflation.7 The substantial growth in the incomes of the wealthiest Californians has actually worsened the states housing crisis, since those households have bid up the price of both homeownership and rental housing. [...] Incomes Have Failed to Keep Pace with the Rising Cost of Housing Over the past decade, the cost of rental housing has risen faster than inflation in the states two largest metropolitan areas and faster than the incomes of the average California family. [...] Nationally, 55 percent of households could afford to purchase the median priced home in 1999, as compared to 37 percent of California households.18 While the affordability of homeownership remained constant between 1998 and 1999 for the nation, the share of California households able to afford the median priced home dropped three percentage points during the same period. [...] 19 California, the share of homes affordable to median income households ranged from 45 percent in Santa Barbara to only 11 percent in San Francisco.19 The income needed to purchase the median priced home ($63,532) far exceeds the income of the median California household ($40,934 in 1998).20 In other words, the median California household earns less than two-thirds the income needed to purchase t.
California And San Diego County Economies In Crisis
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Author : Carl F. Nuess
language : en
Publisher:
Release Date : 1992
California And San Diego County Economies In Crisis written by Carl F. Nuess and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1992 with Cities and towns categories.
The Great American Housing Bubble
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Author : Adam J. Levitin
language : en
Publisher: Harvard University Press
Release Date : 2020-06-09
The Great American Housing Bubble written by Adam J. Levitin and has been published by Harvard University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-06-09 with Business & Economics categories.
The definitive account of the housing bubble that caused the Great Recession—and earned Wall Street fantastic profits. The American housing bubble of the 2000s caused the worst global financial crisis since the Great Depression. In this definitive account, Adam Levitin and Susan Wachter pinpoint its source: the shift in mortgage financing from securitization by Fannie Mae and Freddie Mac to “private-label securitization” by Wall Street banks. This change set off a race to the bottom in mortgage underwriting standards, as banks competed in laxity to gain market share. The Great American Housing Bubble tells the story of the transformation of mortgage lending from a dysfunctional, local affair, featuring short-term, interest-only “bullet” loans, to a robust, national market based around the thirty-year fixed-rate mortgage, a uniquely American innovation that served as the foundation for the middle class. Levitin and Wachter show how Fannie and Freddie’s market power kept risk in check until 2003, when mortgage financing shifted sharply to private-label securitization, as lenders looked for a way to sustain lending volume following an unprecedented refinancing wave. Private-label securitization brought a return of bullet loans, which had lower initial payments—enabling borrowers to borrow more—but much greater back-loaded risks. These loans produced a vast oversupply of underpriced mortgage finance that drove up home prices unsustainably. When the bubble burst, it set off a destructive downward spiral of home prices and foreclosures. Levitin and Wachter propose a rebuild of the housing finance system that ensures the widespread availability of the thirty-year fixed-rate mortgage, while preventing underwriting competition and shifting risk away from the public to private investors.