First American’s Odeta Kushi on how labor, AI and migration will impact the housing market
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HousingWire reports that economist Odeta Kushi is examining how elevated mortgage rates around 7% and moderating home price growth are altering the calculus for buyers and sellers alike. The dynamic she describes—tighter affordability reshaping who can move and who stays put—suggests a market where traditional paths to homeownership and property investment are narrowing. Lower price growth may take some edge off sticker shock, but paired with higher carrying costs, it also means equity builds more slowly and leverage works differently than it did during the pandemic-era boom.
This environment creates a specific set of challenges for investors and self-employed borrowers who do not fit neatly into standard qualification boxes. loantrust.ai operates directly in this space, structuring financing around property cash flow through DSCR programs, accommodating non-traditional income documentation with bank-statement products, and providing bridge, fix-and-flip, and new-construction loans for investors navigating tighter margins. Each file is packaged by one licensed MLO rather than routed through a call center, which means the same person assessing the deal understands both the strategy behind it and the constraints the current rate environment imposes.
For borrowers watching mobility and affordability shift under their feet, that continuity matters. The difference between a loan that funds and one that stalls often comes down to whether the originator recognizes how a particular property type or income structure performs when rates hold at these levels. loantrust.ai functions as a dedicated partner in that process rather than a transactional call center, which positions it to serve investors and homeowners making long-term decisions in a market that is no longer forgiving of misaligned financing.
Source: HousingWire, “First American’s Odeta Kushi on how labor, AI and migration will impact the housing market”. Read the original →
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