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  <title>Tiny data centers coming into American homes</title>
  <description>Ranked: The U.S. Cities With the Most Sunshine, Major case of &quot;Don&#39;t judge a book by its cover&quot;!, </description>
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  <pubDate>Fri, 15 May 2026 10:32:00 +0000</pubDate>
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</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>A Quick Word From Our Sponsor</b></span></h4><p class="paragraph" style="text-align:left;"><span style="color:#ff6e80;"><b>—-</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><h3 class="heading" style="text-align:left;" id="your-business-has-grown-is-your-acc">Your business has grown. Is your accounting on the same path?</h3><div class="image"><a class="image__link" href="https://resources.belaysolutions.com/resources/the-small-business-guide-to-outsourced-accounting?utm_source=beehiiv&utm_medium=newsletter&utm_campaign=the-small-business-guide-to-outsourced-accounting&utm_content={{publication_alphanumeric_id}}&_bhiiv=opp_dd9e256c-85f7-42e9-9087-9c9547df2922_87fe3caa&bhcl_id=31af0b4b-9c03-4178-832f-8d5d66300b16_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/45543613-54b1-4e6c-b238-479b397ccb8a/Beehiiv_Newsletter_graphics_A.jpg?t=1776448501"/></a></div><p class="paragraph" style="text-align:left;">When you started out, doing your own books made sense. But the business you&#39;re running today isn&#39;t the one you started. If your accounting hasn&#39;t kept pace, it&#39;s quietly costing you — outdated financials, no clear view of what&#39;s actually profitable, and hours every week pulled away from the work that grows your business. At <a class="link" href="https://resources.belaysolutions.com/resources/the-small-business-guide-to-outsourced-accounting?utm_source=beehiiv&utm_medium=newsletter&utm_campaign=the-small-business-guide-to-outsourced-accounting&utm_content={{publication_alphanumeric_id}}&_bhiiv=opp_dd9e256c-85f7-42e9-9087-9c9547df2922_87fe3caa&bhcl_id=31af0b4b-9c03-4178-832f-8d5d66300b16_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">BELAY</a>, our Financial Experts integrate directly into your business. They manage your books, reconcile accounts, run payroll, and deliver the timely insight you need to make big decisions with confidence. Stop guessing. Start knowing.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://resources.belaysolutions.com/resources/the-small-business-guide-to-outsourced-accounting?utm_source=beehiiv&utm_medium=newsletter&utm_campaign=the-small-business-guide-to-outsourced-accounting&utm_content={{publication_alphanumeric_id}}&_bhiiv=opp_dd9e256c-85f7-42e9-9087-9c9547df2922_87fe3caa&bhcl_id=31af0b4b-9c03-4178-832f-8d5d66300b16_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Download the Free Guide</a></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.52%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.15%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.22%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.47%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.99% - 7.08%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.04%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.30%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.39%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.99%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.45%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.62% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.65%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.45%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.15%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.29%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.31%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.34%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.29% - 6.63%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.01%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.44%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>U.S. Self Storage Advertised Rates Fall Again, Yardi Matrix Reports</b> <a class="link" href="https://www.yardimatrix.com/blog/us-self-storage-advertised-rates-fall-again/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">National advertised rates dropped by 2% in March 2026, which is a steeper decline than what we saw in the first two months of the year.</p></li><li><p class="paragraph" style="text-align:left;">Every one of the top 30 major markets saw negative annual growth because there isn&#39;t much demand and too many new facilities are being built.</p></li><li><p class="paragraph" style="text-align:left;">Experts don&#39;t see things turning around soon since the weak housing market and extra supply, especially in the Sun Belt, keep pushing prices down.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Tiny data centers may be coming into American homes in the future</b> <a class="link" href="https://www.cnbc.com/2026/05/09/ai-data-center-construction-public-opposition.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/a785063d-c37e-4a54-b266-cd44bcc4c756/image.png?t=1778743629"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Major homebuilders and tech startups are testing small data center nodes installed on the exterior walls of new homes to help expand AI capacity.</p></li><li><p class="paragraph" style="text-align:left;">These home-based setups could lower the cost of building massive facilities while providing homeowners with benefits like free hot water or discounted utility bills.</p></li><li><p class="paragraph" style="text-align:left;">While the idea helps solve land and energy shortages, experts worry about cybersecurity risks and whether residential power grids can actually handle the heavy workload.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Something I found Interesting</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>The Second-Home Tax Is Spreading - Is Your Vacation Property Next?</b> <a class="link" href="https://www.realtor.com/news/trends/cities-states-with-pied-a-terre-second-home-tax/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(31, 31, 31)">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/4d0a95bd-eb11-4511-bdf4-e6fbe81e5dbb/image.png?t=1778743515"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Lawmakers in states like New York, Hawaii, and California are increasingly targeting second homes with higher property taxes and surcharges to address budget deficits and housing shortages.</p></li><li><p class="paragraph" style="text-align:left;">While these taxes aim to make housing more affordable, experts warn they often fail to generate the expected revenue because wealthy owners can easily move their money or properties to tax-friendly areas.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:rgb(4, 170, 27);font-family:"Space Mono", Courier, "Lucida Console", Monaco, monospace;"><b>Proptech Startups That Just Got Funded</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#04aa1b;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><ul><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://try.trusspayments.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Truss</a>, an office leasing platform<b>, </b><a class="link" href="https://dallasinnovates.com/real-estate-tech-startup-truss-raises-7-7m-plans-expansion/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised $3M in funding led by Navitas Capital</a>.</p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.studentcrowd.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">StudentCrowd</a>, a British student housing review stack, <a class="link" href="https://www.finsmes.com/2026/04/studentcrowd-raises-9m-in-series-a-funding.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $9M A round led by YFM.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="http://colabs.sa/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">COLABS</a>, a Pakistani workspace ops mgmt platform, <a class="link" href="https://www.finsmes.com/2026/04/colabs-a-pakistani-community-led-workspace-platform-operator-has-launched-a-4000-sqm-campus-in-northern-riyadh-saudi-arabia-backed-by-more-than-8m-to-date.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised $8M led by Shorooq.</a></p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://telnyx.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow"><b>Telnyx</b></a></p><p class="paragraph" style="text-align:left;">Telnyx is a global communications platform that enables businesses to build and scale real-time voice, messaging, and AI-powered applications. It offers carrier-grade telephony, programmable APIs, and a private global IP network to ensure secure and low-latency connectivity. With tools for Voice AI, IoT, and networking, Telnyx empowers developers to create intelligent, scalable solutions without relying on multiple vendors.</p><p class="paragraph" style="text-align:left;"><b>How an AI agent can help builders with land acquisition</b> <a class="link" href="https://www.housingwire.com/articles/ai-agent-land-acquisition/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">AI agents are revolutionizing the front-end of U.S. residential development by instantly scanning zoning codes and environmental data to identify viable build sites faster than traditional land scouts.</p><p class="paragraph" style="text-align:left;"><b>How AI in Real Estate is Transforming Property Data Management in 2026</b> <a class="link" href="https://www.thetechedvocate.org/how-ai-in-real-estate-is-transforming-property-data-management-in-2026/?utm_source=feedly&utm_medium=rss&utm_campaign=how-ai-in-real-estate-is-transforming-property-data-management-in-2026" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">AI is fundamentally restructuring U.S. property databases by enabling real-time accuracy and predictive maintenance, effectively turning static housing data into a dynamic financial asset.</p><p class="paragraph" style="text-align:left;"></p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>One Chart</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Average Rent Across 100 U.S. Cities (2026)</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/095067f1-db89-4048-a935-f3a80563cc91/image.png?t=1778743398"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>The Fastest-Growing Neighborhoods Can Be Found in These ZIP Codes</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>How Will AI Impact Commercial Real Estate?</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>These MOB(medical office buildings) Markets are in high demand.</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Smart Investors Are Tracking Flight Paths To Find the Next Housing Boom</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Hottest Neighborhoods for 2026</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Off Topic</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Ranked: The U.S. Cities With the Most Sunshine</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/8c7f5d38-48a2-40fa-95ae-ffa58ea64976/image.png?t=1778743355"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Major case of &quot;Don&#39;t judge a book by its cover&quot;!</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/61f7b851-1436-4fd7-98ae-4ab503f9f1be/image.png?t=1778743287"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/2733-N-Pulaski-Rd-Chicago-IL-60639/345224232_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=tiny-data-centers-coming-into-american-homes" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are 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      <item>
  <title>Average Rent Across 100 U.S. Cities</title>
  <description>The Smartest AI Models of 2026 and Just your average megachurch pastor&#39;s mansion in Texas</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/a0d5c0b6-d4e4-4469-a9a4-5c838042f9f8/image.png" length="1227421" type="image/png"/>
  <link>https://www.zeroflux.io/p/average-rent-across-100-u-s-cities</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/average-rent-across-100-u-s-cities</guid>
  <pubDate>Fri, 08 May 2026 11:49:10 +0000</pubDate>
  <atom:published>2026-05-08T11:49:10Z</atom:published>
  <content:encoded><![CDATA[
    <div class='beehiiv'><style>
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</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>A Quick Word From Our Sponsor</b></span></h4><p class="paragraph" style="text-align:left;"><span style="color:#ff6e80;"><b>—-</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><h3 class="heading" style="text-align:left;">Investors see ANOTHER return from Masterworks (!!!!)</h3><div class="image"><a class="image__link" href="https://www.masterworks.com/?_ef_transaction_id=&utm_medium=newsletter&utm_source=beehiiv&utm_term=cpc_may2026&utm_content=another_return_cpc_may26&utm_campaign={{publication_alphanumeric_id}}_{{publication_name_param}}&oid=9&affid=13&_bhiiv=opp_30a4c333-1b2f-44fb-ad3f-98cd82b24d81_79cffd0e&bhcl_id=638b505d-51c0-41df-b1ee-4c78dc0f62d5_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="border-radius:0px 0px 0px 0px;border-style:solid;border-width:0px 0px 0px 0px;box-sizing:border-box;border-color:#E5E7EB;" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/3b35cca2-db52-45fc-a424-75e42680976c/image1.gif?t=1775837250"/></a></div><p class="paragraph" style="text-align:left;">That’s 6 sales in 7 months. 29 all time. And the performance?</p><p class="paragraph" style="text-align:left;">16.5%, 17.6%, and 17.8%, net annualized returns on sold works held longer than one year (See all 29 at <a class="link" href="https://www.masterworks.com/?_ef_transaction_id=&utm_medium=newsletter&utm_source=beehiiv&utm_term=cpc_may2026&utm_content=another_return_cpc_may26&utm_campaign={{publication_alphanumeric_id}}_{{publication_name_param}}&oid=9&affid=13&_bhiiv=opp_30a4c333-1b2f-44fb-ad3f-98cd82b24d81_79cffd0e&bhcl_id=638b505d-51c0-41df-b1ee-4c78dc0f62d5_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Masterworks.com</a>)</p><p class="paragraph" style="text-align:left;">It’s not from stocks, private equity, or real estate… it’s from <a class="link" href="https://www.masterworks.com/?_ef_transaction_id=&utm_medium=newsletter&utm_source=beehiiv&utm_term=cpc_may2026&utm_content=another_return_cpc_may26&utm_campaign={{publication_alphanumeric_id}}_{{publication_name_param}}&oid=9&affid=13&_bhiiv=opp_30a4c333-1b2f-44fb-ad3f-98cd82b24d81_79cffd0e&bhcl_id=638b505d-51c0-41df-b1ee-4c78dc0f62d5_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">contemporary and post war art.</a> Crazy, right?</p><p class="paragraph" style="text-align:left;">With <a class="link" href="https://www.masterworks.com/?_ef_transaction_id=&utm_medium=newsletter&utm_source=beehiiv&utm_term=cpc_may2026&utm_content=another_return_cpc_may26&utm_campaign={{publication_alphanumeric_id}}_{{publication_name_param}}&oid=9&affid=13&_bhiiv=opp_30a4c333-1b2f-44fb-ad3f-98cd82b24d81_79cffd0e&bhcl_id=638b505d-51c0-41df-b1ee-4c78dc0f62d5_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Masterworks</a>, you don’t need to be a BILLIONAIRE to invest in multi-million dollar art anymore.</p><p class="paragraph" style="text-align:left;">Historically, the segment overall has had attractive appreciation and low correlation to stocks.*</p><p class="paragraph" style="text-align:left;">Masterworks targets works featuring legends like Banksy, Basquiat, and Picasso, identifying what they believe to have significant long-term appreciation potential, not just at the artist level but at the level of individual artworks.</p><p class="paragraph" style="text-align:left;">As one of the largest players in the art market, with $1.3 billion invested over 500 artworks, they pass critical advantages through to their 70,000+ members to add art to their portfolios strategically.</p><p class="paragraph" style="text-align:left;">Looking to diversify your investments in 2026?</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.masterworks.com/?_ef_transaction_id=&utm_medium=newsletter&utm_source=beehiiv&utm_term=cpc_may2026&utm_content=another_return_cpc_may26&utm_campaign={{publication_alphanumeric_id}}_{{publication_name_param}}&oid=9&affid=13&_bhiiv=opp_30a4c333-1b2f-44fb-ad3f-98cd82b24d81_79cffd0e&bhcl_id=638b505d-51c0-41df-b1ee-4c78dc0f62d5_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Click here to skip the waitlist</a></p><p class="paragraph" style="text-align:left;"><sup><i>*According to Masterworks data. Investing involves risk. Past performance is not indicative of future returns. See important Reg A disclosures at </i></sup><sup><i><a class="link" href="https://masterworks.com/cd?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow">masterworks.com/cd</a></i></sup><sup><i>.</i></sup></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.40%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.46%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.99% - 7.08%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.00%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.21%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.39%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.92%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.10%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.36%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.62% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.60%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.41%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.15%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.11%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.14%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.33%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.29% - 6.63%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.93%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.37%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.54%</span></p></td></tr></table></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Date</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr Fixed</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>15 Yr Fixed</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr Jumbo</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>7/6 ARM</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr FHA</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr VA</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>05/07/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.40%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.60%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.92%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.93%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>05/06/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.44%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.60%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.92%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.93%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>05/05/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.54%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.63%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.25%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.04%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>05/04/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.56%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.62%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.24%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.05%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>05/01/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.44%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.59%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.92%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.94%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Why are homebuyers hesitating in 2026?- A consulting study</b> <a class="link" href="https://jbrec.com/insights/why-homebuyers-are-hesitating-in-2026/?utm_campaign=Dear%20Consultant&utm_medium=email&_hsenc=p2ANqtz-887PhMUIhUd37qYB3s7DDAzfAdn6mBPIG9IrbV9-xOLRhkh878qnb8Hp5_pAZ0KHDQG2tXMXpOiS1vcDoVfhLNT7rdN4RA6bvCnBu_sW2JgCJ2lpI&_hsmi=414201465&utm_content=414201465&utm_source=hs_email" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/afb4a7a3-1875-4b15-adfc-ec231e10bce9/image.png?t=1778174737"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">People are feeling uneasy about the economy and their jobs, with nearly half of buyers saying they feel less financially secure than they did last year.</p></li><li><p class="paragraph" style="text-align:left;">High mortgage rates and inflation are making even wealthy buyers pause, and many are now looking for homes that are completely move-in ready to avoid extra costs for things like landscaping or appliances.</p></li><li><p class="paragraph" style="text-align:left;">Buyers are being much pickier about location and are moving toward smaller towns just outside major cities to find better prices and easier commutes.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Affordability Improves in All Top 100 Markets</b> <a class="link" href="https://blog.firstam.com/economics/affordability-improves-in-all-top-100-markets?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/a30916a2-60a9-4610-b829-1b8f49694422/image.png?t=1778174875"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Every one of the top 100 housing markets saw affordability get better over the last year, with an overall national improvement of 11 percent.</p></li><li><p class="paragraph" style="text-align:left;">This shift happened because mortgage rates dropped and incomes went up, which together boosted the average person&#39;s house-buying power by more than 12 percent.</p></li><li><p class="paragraph" style="text-align:left;">Even though home prices are still high, houses are actually more affordable today than they were in the early 1980s when you account for how much more people earn and the current interest rates.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Introducing the Zillow Buzz Index</b> <a class="link" href="https://www.zillow.com/research/zillow-buzz-index-36257/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">This new index tracks how specific home features impact daily views and saves to predict which listings will sell faster or for more money.</p></li><li><p class="paragraph" style="text-align:left;">Homes with architectural character see the most interest, with features like exposed beams and Victorian styles boosting buyer engagement by nearly 20%.</p></li><li><p class="paragraph" style="text-align:left;">Unique designs like Tudor and midcentury modern homes also outperform standard listings, showing that buyers are looking for homes with a distinct personality.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Something I found Interesting</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>AI-Powered Robots are Building Lower-Cost Clay Homes in Texas Using Dirt Dug Up On-Site</b> <a class="link" href="https://hothardware.com/news/robots-are-building-low-cost-clay-homes-using-dirt-dug-up-on-site?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Terran Robotics uses AI-guided cable robots to turn raw earth found on-site into durable adobe-style walls.</p></li><li><p class="paragraph" style="text-align:left;">This automated process lowers costs and speeds up construction by reducing the need for expensive lumber, concrete, and long supply chains.</p></li><li><p class="paragraph" style="text-align:left;">The software uses cameras and machine learning to spot and fix building mistakes in real-time while allowing for customizable, modern home designs.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><ul><li><p class="paragraph" style="text-align:left;"><span style="text-decoration:underline;"><a class="link" href="http://trycasa.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Casa</a></span>, a home maintenance app, <a class="link" href="https://startupfortune.com/casa-raised-27-million-to-turn-your-home-into-a-managed-asset-and-travis-kalanick-is-backing-the-bet/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $20M Series A led by Travis Kalanick.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://try.trusspayments.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Truss</a>, an office leasing platform<b>, </b><a class="link" href="https://dallasinnovates.com/real-estate-tech-startup-truss-raises-7-7m-plans-expansion/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised $3M in funding led by Navitas Capital</a>.</p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://brkz.com/en?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">BRKZ</a>, a Saudi construction materials market, <a class="link" href="https://www.fwdstart.me/p/saudi-brkz-lands-investment-from-sidf-s-investment-arm-as-supply-chain-platform-eyes-cloud-manufac?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised funding led by SIC.</a></p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://www.hakimo.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow"><b>Hakimo</b></a></p><p class="paragraph" style="text-align:left;">Hakimo’s AI-powered security agent delivers real-time threat detection, proactive deterrence, and seamless monitoring to safeguard business.</p><p class="paragraph" style="text-align:left;"><b>How AI Is Reshaping Real Estate: Smarter Sales, Faster Deals, and New Growth Markets</b> <a class="link" href="https://therealtytoday.com/news/news/how-ai-is-reshaping-real-estate-smarter-sales-faster-deals-and-new-growth-markets/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">AI is fundamentally accelerating the U.S. transaction cycle by using predictive analytics to identify emerging growth markets and high-intent sellers before they even list.</p><p class="paragraph" style="text-align:left;"><b>How AI and Automation are Reshaping Everyday Property Operations</b> <a class="link" href="https://www.technology.org/2026/04/30/how-ai-and-automation-are-reshaping-everyday-property-operations/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">AI is fundamentally restructuring U.S. property management by moving beyond back-office automation to proactive, predictive maintenance and real-time tenant engagement. This shift is turning static real estate assets into dynamic, data-driven environments that significantly lower operational overhead and boost investor yields.</p><p class="paragraph" style="text-align:left;"><b>Mashvisor Launches in the ChatGPT App Directory, Giving Users Live U.S. Rental Investment Data Inside Their AI Workflow</b> <a class="link" href="https://www.prnewswire.com/news-releases/mashvisor-launches-in-the-chatgpt-app-directory-giving-users-live-us-rental-investment-data-inside-their-ai-workflow-302763587.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">By integrating live U.S. property analytics directly into ChatGPT via the Model Context Protocol, Mashvisor is enabling investors to perform complex cap rate and ROI analysis within their existing AI conversations.</p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>One Chart</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Average Rent Across 100 U.S. Cities (2026)</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/1601e0f8-aae9-468a-a044-8d37aa6df8f3/image.png?t=1778175382"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>The State of Data Centers in 10 Charts</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Fact Check: 21st Century ROAD to Housing Act & SFR Data</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Much Awaited JBREC 2026 outlook</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>More Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Off Topic</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>The Smartest AI Models of 2026</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/a0d5c0b6-d4e4-4469-a9a4-5c838042f9f8/image.png?t=1778175672"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Just your average pastor&#39;s mansion in Texas</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/dd6f901f-867d-493e-852f-87e4c921d767/image.png?t=1778175748"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/19525-Doerre-Rd-Spring-TX-77379/161415524_zpid/?utm_campaign=androidappmessage&utm_medium=referral&utm_source=txtshare" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=average-rent-across-100-u-s-cities" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are 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  <title>Where Wealth Is Moving in America</title>
  <description>Ranked: The World’s 50 Most Powerful Militaries and more</description>
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  <link>https://www.zeroflux.io/p/where-wealth-is-moving-in-america</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/where-wealth-is-moving-in-america</guid>
  <pubDate>Wed, 06 May 2026 10:35:52 +0000</pubDate>
  <atom:published>2026-05-06T10:35:52Z</atom:published>
  <content:encoded><![CDATA[
    <div class='beehiiv'><style>
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</style><div class='beehiiv__body'><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>A Quick Word From Our Sponsor</b></span></h4><p class="paragraph" style="text-align:left;"><span style="color:#ff6e80;"><b>—-</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><h3 class="heading" style="text-align:left;" id="write-docs-4-x-faster-without-hatin">Write docs 4x faster. Without hating every second.</h3><div class="image"><a class="image__link" href="https://ref.wisprflow.ai/beehiiv-dev/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&utm_term=dev_p5_q2&_bhiiv=opp_597440f8-9c3c-43f9-8d07-83a4a8963971_6e77d35f&bhcl_id=f0014163-f049-4d42-8a4b-1abe9775a755_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/7ceec9ee-cd72-44a0-9c3b-38bb8e8a0f75/flow-just-talk-perfect-text.png?t=1776898334"/></a></div><p class="paragraph" style="text-align:left;">Nobody became a developer to write documentation. But the docs still need to get written — PRDs, README updates, architecture decisions, onboarding guides.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://ref.wisprflow.ai/beehiiv-dev/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&utm_term=dev_p5_q2&_bhiiv=opp_597440f8-9c3c-43f9-8d07-83a4a8963971_6e77d35f&bhcl_id=f0014163-f049-4d42-8a4b-1abe9775a755_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Wispr Flow</a> lets you talk through it instead. Speak naturally about what the code does, how it works, and why you built it that way. Flow formats everything into clean, professional text you can paste into Notion, Confluence, or GitHub.</p><p class="paragraph" style="text-align:left;">Used by engineering teams at OpenAI, Vercel, and Clay. 89% of messages sent with zero edits. Works system-wide on Mac, Windows, and iPhone.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://ref.wisprflow.ai/beehiiv-dev/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&utm_term=dev_p5_q2&_bhiiv=opp_597440f8-9c3c-43f9-8d07-83a4a8963971_6e77d35f&bhcl_id=f0014163-f049-4d42-8a4b-1abe9775a755_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Try Wispr Flow free</a></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.54%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.16%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.09%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.36%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.99% - 7.08%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.04%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.10%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.18%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.39%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.02%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.09%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.27%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.62% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.63%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.39%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.15%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.25%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.25%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.20%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.20%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.29% - 6.63%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.04%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.09%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.26%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Date</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr Fixed</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>15 Yr Fixed</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr Jumbo</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>7/6 ARM</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr FHA</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr VA</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>05/05/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.54%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.63%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.25%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.04%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>05/04/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.56%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.62%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.24%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.05%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>05/01/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.44%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.59%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.92%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.94%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/30/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.45%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.60%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.13%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.95%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.97%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/29/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.50%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.60%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.12%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.02%</span></p></td></tr></table></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>These Cities Outpace Coasts for Gen Z Buyers Seeking Larger Homes</b> <a class="link" href="https://www.redfin.com/news/gen-z-large-home-ownership-2026/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow">link</a></p><ul><li><p class="paragraph" style="text-align:left;">Salt Lake City leads the country with Gen Z owning 3.6% of large homes, followed by Virginia Beach, Oklahoma City, and Louisville.</p></li><li><p class="paragraph" style="text-align:left;">These mid-sized markets are popular because wages and home prices still align well enough for young buyers to afford houses with three or more bedrooms.</p></li><li><p class="paragraph" style="text-align:left;">Many young buyers in these areas are able to buy larger homes sooner thanks to a combination of high-paying local jobs and financial help from family for down payments.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Self-Storage Deal Volume Jumps 39% </b> <a class="link" href="https://www.storagecafe.com/blog/self-storage-sales-2025/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow">link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/2de21a4f-8321-42c3-81ca-151771a65c61/who-s-buying-self-storage-.png?t=1777827278"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Total deal volume hit nearly $5 billion in 2025 because investors started buying much larger facilities and entire portfolios instead of small single properties.</p></li><li><p class="paragraph" style="text-align:left;">REITs are driving the price up by paying a premium of $153 per square foot on average, which is much higher than what most independent buyers are paying.</p></li><li><p class="paragraph" style="text-align:left;">The most expensive deals are happening in places like New York City and Seattle where it’s hard to build new supply, while Las Vegas has become the busiest spot for total space traded.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Something I found Interesting</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Institutional SFR Ownership Looks Small on Paper But Dominates Key Markets</b> <a class="link" href="https://www.globest.com/2026/04/27/institutional-sfr-ownership-looks-small-on-paper-but-dominates-key-markets/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">While big firms own less than 1% of houses nationally, they actually control 82% of investor-owned rentals across the top 30 metro areas.</p></li><li><p class="paragraph" style="text-align:left;">In places like Atlanta, corporate owners own one out of every ten houses in certain neighborhoods and make up a quarter of all local listings.</p></li><li><p class="paragraph" style="text-align:left;">Even when big investors sell their homes, the properties are usually bought by smaller investors rather than regular families looking to buy a house.</p></li></ul><p class="paragraph" style="text-align:left;"><b>Where Bigger Homes Cost Less</b> <a class="link" href="https://www.rentometer.com/blog/big-homes-big-differences-where-renters-find-the-most-space-in-america/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow">link</a></p><ul><li><p class="paragraph" style="text-align:left;">The Mountain West is the top spot for finding big single-family rentals, with Utah offering the most space and a high share of four-bedroom homes.</p></li><li><p class="paragraph" style="text-align:left;">Texas cities like Frisco and Sugar Land offer some of the largest rental floor plans in the country, though proximity to major hubs can drive up the price.</p></li><li><p class="paragraph" style="text-align:left;">Renters can find a good balance of size and affordability in cities like Colorado Springs and Aurora, while coastal markets generally charge more for less space.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://www.next-sense.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow"><b>Next Sense</b></a></p><p class="paragraph" style="text-align:left;">An AI-driven platform dedicated to decarbonizing real estate by providing detailed energy analysis and optimization solutions.</p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>One Chart</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Mapped: Where Wealth Is Moving in America</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/b4677b5f-6e4f-4b93-9e05-8a208f1f9925/image.png?t=1777827410"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><ul><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://crewline.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Crewline</a>, self-driving construction tech, <a class="link" href="https://www.therobotreport.com/crewline-secures-7-1m-to-automate-constructions-most-repetitive-task/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $7.1M seed led by Nebular.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.relli.co/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Relli</a>, a private RE investor marketplace, <a class="link" href="https://www.citybiz.co/article/836274/relli-secures-investment-from-gaming-industry-influencer-as-platform-expands-real-estate-operator-network/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised funding.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.vrey.io/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Vrey</a>, a German MF solar panel stack, <a class="link" href="https://tech.eu/2026/04/23/berlin-based-vrey-raises-eur33m-to-unlock-shared-roof-solar/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a €3.3M seed round led by Rubio.</a></p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Q1 2026 U.S. Office Market Report</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>These Markets Emerge as Multifamily Sweet Spot</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Multifamily Demand in This City to More Than Double</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>AI’s Impact on the Economy, Employment & Productivity</b>: <b>New Report</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>More Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Off Topic</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Ranked: The World’s 50 Most Powerful Militaries</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/762b3aa4-a767-4ce8-8b1b-9e2dfdf4ac2c/image.png?t=1777827485"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Who is a fan of the 80s</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/8b367d32-b2b7-4616-941a-2277bb9f4189/image.png?t=1777827439"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/7211-Brickyard-Rd-Rockville-MD-20854/37265400_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-wealth-is-moving-in-america" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are 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      <item>
  <title>The Happiest States in America</title>
  <description>Ranked: What People Value Most in the U.S., UK, and Germany.</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/89883d27-60bd-482e-bd91-d2bc0791615f/image.png" length="67316" type="image/png"/>
  <link>https://www.zeroflux.io/p/the-happiest-states-in-america</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/the-happiest-states-in-america</guid>
  <pubDate>Fri, 01 May 2026 10:32:00 +0000</pubDate>
  <atom:published>2026-05-01T10:32:00Z</atom:published>
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    <div class='beehiiv'><style>
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</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>A Quick Word From Our Sponsor</b></span></h4><p class="paragraph" style="text-align:left;"><span style="color:#ff6e80;"><b>—-</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><h3 class="heading" style="text-align:left;" id="the-boring-bitcoin-strategy-that-wo">The boring Bitcoin strategy that works</h3><div class="image"><a class="image__link" href="https://www.yieldclub.io?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&utm_medium=newsletter&utm_content=primary_story&utm_term=boring-btc-strategy&_bhiiv=opp_1be17e5c-0a97-4fc9-a6ef-0dbb2c0daa77_e7fe024d&bhcl_id=c2df1c98-8e6c-43ca-85f4-0258f8cbe895_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/f996dd34-53c7-4eea-aa9b-adbcbcab9b74/Google_Nano_Banana_Pro_Image__1_.png?t=1775665842"/></a></div><p class="paragraph" style="text-align:left;">Imagine it&#39;s 2031. Markets have been chaotic for years. Your coworkers are stressed. You&#39;re not. Because five years ago, you did something boring. You opened <a class="link" href="https://www.yieldclub.io?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&utm_medium=newsletter&utm_content=primary_story&utm_term=boring-btc-strategy&_bhiiv=opp_1be17e5c-0a97-4fc9-a6ef-0dbb2c0daa77_e7fe024d&bhcl_id=c2df1c98-8e6c-43ca-85f4-0258f8cbe895_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">YieldClub</a>, turned on Autopilot, and your yield started converting into Bitcoin every day. Quietly. Automatically. YieldClub earns up to 12% APY and routes your yield into Bitcoin automatically. No lockups, no guesswork.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.yieldclub.io?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&utm_medium=newsletter&utm_content=primary_story&utm_term=boring-btc-strategy&_bhiiv=opp_1be17e5c-0a97-4fc9-a6ef-0dbb2c0daa77_e7fe024d&bhcl_id=c2df1c98-8e6c-43ca-85f4-0258f8cbe895_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Start Stacking BTC</a></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.45%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.18%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.14%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.31%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.99% - 7.08%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.01%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.13%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.12%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.14%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.39%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.95%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.09%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.10%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.19%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.62% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.60%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.35%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.15%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.13%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.15%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.19%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.25%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.29% - 6.63%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.97%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.09%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.10%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.18%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Date</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr Fixed</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>15 Yr Fixed</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr Jumbo</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>7/6 ARM</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr FHA</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr VA</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/30/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.45%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.60%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.13%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.95%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.97%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/29/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.50%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.60%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.12%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.02%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/28/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.38%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.94%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.52%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.93%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.95%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/27/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.32%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.92%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.52%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.95%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.91%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.93%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/24/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.32%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.91%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.53%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.96%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.91%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.93%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Top 10 U.S. Counties with Highest Effective Property Tax Rates in 2025</b> <a class="link" href="https://www.attomdata.com/news/market-trends/figuresfriday/top-10-u-s-counties-with-highest-effective-property-tax-rates-in-2025/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Schuylkill County, PA, leads the nation with an effective tax rate of 4.59 percent, followed by Kendall County, IL, at 3.58 percent.</p></li><li><p class="paragraph" style="text-align:left;">Other high-tax areas include Saint Lawrence County, NY, and several counties in Illinois like Will, Macon, and McLean, all with rates above 2.1 percent.</p></li><li><p class="paragraph" style="text-align:left;">These high rates in the Northeast and Midwest come as the national average property tax on single-family homes rose 3 percent to $4,427.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Small Apartment Markets, Big Rent Gains</b> <a class="link" href="https://www.realpage.com/analytics/secondary-markets-rent-growth-2026/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/e22b8b82-0970-43fd-a5fe-b85838d15efd/image.png?t=1777567718"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Twelve secondary apartment markets saw rent growth jump over 3% this year, even as the national average for rents actually dropped slightly.</p></li><li><p class="paragraph" style="text-align:left;">Urban Honolulu and Champaign-Urbana led the pack with increases of 7.1% and 5.8%, outperforming almost every large city in the country.</p></li><li><p class="paragraph" style="text-align:left;">These smaller areas are seeing high demand even when new buildings are finished, proving that local needs are currently more important than national trends.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Prices for Raw Land Surged a Staggering 87% Since 2019, but a Correction Has Begun</b> <a class="link" href="https://www.realtor.com/news/trends/price-raw-land-surged-2019-correction-study-april-2026/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/55996394-db09-4841-af38-7229c7e05c89/image.png?t=1777567881"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Untouched land prices shot up nearly 87% over the last several years because they started at a lower price point and offered investors more room for speculation.</p></li><li><p class="paragraph" style="text-align:left;">The market is starting to cool off now because new home construction has slowed down, causing raw land prices to drop about 2.4% in the past year.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Something I found Interesting</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Fractional Real Estate Investing Is on the Rise in the Sun Belt</b> <a class="link" href="https://www.realtor.com/news/trends/fractional-real-estate-investing-sunbelt/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">People are buying small shares of property in states like Texas, Georgia, Arizona, and Florida because high prices and interest rates make buying a whole house too expensive.</p></li><li><p class="paragraph" style="text-align:left;">This trend is mostly driven by millennials and Gen Z who want monthly rental income without needing a massive down payment or dealing with landlord chores.</p></li><li><p class="paragraph" style="text-align:left;">Experts say the market is growing fast due to clearer SEC rules, though some warn that owning a fraction doesn&#39;t build wealth the same way as owning a full home.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><ul><li><p class="paragraph" style="text-align:left;"><a class="link" href="http://traza.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Traza</a>, supply automation for construction, <a class="link" href="https://www.finsmes.com/2026/04/traza-closes-2-1m-pre-seed-funding.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $2.1M pre-seed led by Base10.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.otelai.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">OtelAI</a>, an Irish property mgmt AI for Hotels, <a class="link" href="https://www.finsmes.com/2026/04/otel-ai-raises-e2-8m-in-total-funding.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised €2.8M led by Playfair.</a></p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://www.propflo.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow"><b>PropFlo</b></a></p><p class="paragraph" style="text-align:left;">PropFlo Solutions is a real estate CRM (Customer Relationship Management) software. It provides advanced features like sales lead management, workflow automation, AI-powered marketing tools, finance and project management to optimize operations and deliver superior user interaction.</p><p class="paragraph" style="text-align:left;"><b>Maket AI Now Can Edit Your Floor Plans in Real-Time</b> <a class="link" href="https://www.testingcatalog.com/maket-ai-now-can-edit-your-floor-plans-in-realtime/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america#google_vignette" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">This real-time generative design tool significantly reduces the friction of architectural planning, allowing U.S. developers and agents to provide instant, customizable floor plan modifications during the early stages of property development.</p><p class="paragraph" style="text-align:left;"><b>AI Tools Every Real Estate Pro Should Be Using</b> <a class="link" href="https://www.housingwire.com/articles/ai-tools-real-estate/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">The integration of AI into the U.S. housing sector is rapidly moving from administrative help to predictive analytics, effectively forcing a &quot;digitize or die&quot; ultimatum on traditional brokerage models.</p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>One Chart</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Mapped: The Happiest States in America</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/28589369-a1f9-411a-92a6-080bf594e632/image.png?t=1777567645"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>2026 North American Data Center Investors Survey Results</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Why Seniors Are Choosing Smaller Spaces Over Massive Communities</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>How Multifamily Operators Are Creating Value in a Tough Market</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Outpatient Care Boom Drives Surge in Medical Office Demand </b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Class B Apartments Quietly Outperform in a Tiered Market</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Off Topic</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Ranked: What People Value Most in the U.S., UK, and Germany</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/c4b67531-70ae-49fe-838d-f1bb3e5c538f/image.png?t=1777568968"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>You are gonna love this!</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/3022784c-2332-4663-a1ba-e296e36e98d9/image.png?t=1777568868"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/951-Canter-Way-Jefferson-GA-30549/2093277821_zpid/?utm_campaign=androidappmessage&utm_medium=referral&utm_source=txtshare" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-happiest-states-in-america" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are finding value, please 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</item>

      <item>
  <title>White House Says Housing Shortage Hits 10M Homes</title>
  <description>Mapped: Grocery Costs as a Share of Income by U.S. State and Mapped: America’s Best States to Live In</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/da9c6ca6-c0c4-407b-9994-969b820225eb/image.png" length="2904623" type="image/png"/>
  <link>https://www.zeroflux.io/p/white-house-says-housing-shortage-hits-10m-homes</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/white-house-says-housing-shortage-hits-10m-homes</guid>
  <pubDate>Wed, 29 Apr 2026 13:09:26 +0000</pubDate>
  <atom:published>2026-04-29T13:09:26Z</atom:published>
  <content:encoded><![CDATA[
    <div class='beehiiv'><style>
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</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>A Quick Word From Our Sponsor</b></span></h4><p class="paragraph" style="text-align:left;"><span style="color:#ff6e80;"><b>—-</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><h3 class="heading" style="text-align:left;" id="stay-in-flow-state-dictate-everythi">Stay in flow state. Dictate everything else.</h3><div class="image"><a class="image__link" href="https://ref.wisprflow.ai/beehiiv-dev/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&utm_term=dev_p6_q2&_bhiiv=opp_32d367ac-cbec-41f3-9d42-43167ca80ad4_6e77d35f&bhcl_id=62e7daa4-7746-4dba-a53f-fb0f8b9c887a_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/a0ae4bf9-c446-4e75-804e-b1c435eaca94/flow-works-anywhere-green.png?t=1776898348"/></a></div><p class="paragraph" style="text-align:left;">Context switching kills your focus. Every time you stop coding to type a Slack reply, write a ticket, or draft a PR description, it takes 23 minutes to get back in the zone.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://ref.wisprflow.ai/beehiiv-dev/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&utm_term=dev_p6_q2&_bhiiv=opp_32d367ac-cbec-41f3-9d42-43167ca80ad4_6e77d35f&bhcl_id=62e7daa4-7746-4dba-a53f-fb0f8b9c887a_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Wispr Flow</a> lets you dictate all of it without leaving your editor. Speak your response, your ticket, your commit message — Flow formats it and you&#39;re back to coding. Works system-wide inside Cursor, VS Code, Warp, Slack, Linear, and every app.</p><p class="paragraph" style="text-align:left;">4x faster than typing. 89% of messages sent with zero edits. Used by engineering teams at OpenAI, Vercel, and Clay.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://ref.wisprflow.ai/beehiiv-dev/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&utm_term=dev_p6_q2&_bhiiv=opp_32d367ac-cbec-41f3-9d42-43167ca80ad4_6e77d35f&bhcl_id=62e7daa4-7746-4dba-a53f-fb0f8b9c887a_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Start flowing free</a></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.38%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.44%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01% - 7.13%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.94%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.56%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.52%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.93%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.38%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.69% - 6.54%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.52%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.93%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.45%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.00%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.15%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.29% - 7.25%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.95%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.37%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.55%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Recent Historic Daily Rates</b></p><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Date</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr Fixed</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>15 Yr Fixed</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr Jumbo</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>7/6 ARM</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr FHA</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr VA</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/28/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.38%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.94%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.52%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.93%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.95%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/27/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.32%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.92%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.52%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.95%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.91%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.93%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/24/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.32%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.91%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.53%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.96%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.91%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.93%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/23/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.32%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.92%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.52%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.98%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.92%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.94%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/22/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.32%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.90%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.52%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.97%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.91%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.93%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>White House Says Housing Shortage Hits 10 Million Homes</b> <a class="link" href="https://www.scotsmanguide.com/news/62-percent-of-americans-say-buying-a-home-in-2026-is-unrealistic/?utm_source=originator&utm_medium=news&utm_campaign=newlayout" target="_blank" rel="noopener noreferrer nofollow"><b>Link</b></a></p><ul><li><p class="paragraph" style="text-align:left;">A new report shows the country is short about 10 million homes due to years of underbuilding and expensive red tape.</p></li><li><p class="paragraph" style="text-align:left;">High regulatory costs from zoning and permits can add over $100,000 to the price of a single house.</p></li><li><p class="paragraph" style="text-align:left;">Experts believe that cutting back on these bureaucratic costs could help builders create up to 13 million new homes.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Foreclosure Activity Rises in Q1 2026 as Market Continues to Normalize</b> <a class="link" href="https://www.attomdata.com/news/market-trends/foreclosures/q1-and-march-2026-foreclosure-market-report/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/e3c8e675-2c02-4789-b172-ada1fd44af3f/image.png?t=1777452515"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Foreclosure filings hit 118,727 properties in the first quarter, marking a 26 percent increase from the same time last year.</p></li><li><p class="paragraph" style="text-align:left;">Foreclosure starts jumped 20 percent annually, while bank repossessions saw a significant 45 percent climb compared to a year ago.</p></li><li><p class="paragraph" style="text-align:left;">Indiana, South Carolina, and Florida had the highest foreclosure rates in the country, with Indiana seeing one filing for every 739 housing units.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>More Americans Are Moving for Affordability and Quality of Life, Not Work</b> <a class="link" href="https://www.realtor.com/news/trends/moving-mindset-reason-survey-pods-2026/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Around 61% of people say affordability is their top priority, but half of those surveyed are also moving to get a fresh start and a clean slate.</p></li><li><p class="paragraph" style="text-align:left;">Moving is becoming more about a personal reset and finding a slower pace of life rather than just chasing a promotion or a higher-paying job.</p></li><li><p class="paragraph" style="text-align:left;">Different generations have different goals, with Gen Z looking for flexibility and Boomers moving to be closer to their grandkids or for easier, maintenance-free living.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Something I found Interesting</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>If You Live in One of These 75 New Jersey Towns, You Could Face a Fine or Jail Time for Renting Out Your Home During the World Cup</b> <a class="link" href="https://www.realtor.com/news/sports/illegal-short-term-rental-penalties-new-jersey-towns-you/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/99cc53a0-3764-4ec5-9c1c-08b18affa0ee/image.png?t=1777452624"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Towns like Kearny have tightened rules to ban short-term rentals in multifamily homes, with penalties including up to 30 days in jail and $2,000 fines for repeat offenders.</p></li><li><p class="paragraph" style="text-align:left;">While platforms like Airbnb are offering bonuses to attract hosts, 75 New Jersey municipalities currently prohibit short-term rentals due to concerns over noise, traffic, and safety.</p></li><li><p class="paragraph" style="text-align:left;">Some areas near the stadium are making exceptions, such as Clifton, which recently approved a temporary measure allowing short-term stays through the end of 2026 to help bridge a budget gap.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://outmarket.ai/?utm_source=substack&utm_medium=email" target="_blank" rel="noopener noreferrer nofollow"><b>Outmarket</b></a></p><p class="paragraph" style="text-align:left;">Outmarket is a marketing automation platform designed to help real estate professionals and investors streamline their outreach. It combines email campaigns, lead nurturing, and CRM tools to efficiently manage and grow client relationships and deal flow.</p><p class="paragraph" style="text-align:left;"><b>Zillow CEO Bullish About AI’s Potential Opportunities for Agents</b> <a class="link" href="https://www.realestatenews.com/2026/04/23/zillow-ceo-bullish-about-ais-potential-opportunities-for-agents?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">Zillow is betting on a &quot;super app&quot; future where AI handles the administrative heavy lifting of a transaction, effectively turning the U.S. agent into a high-level advisor rather than a coordinator.</p><p class="paragraph" style="text-align:left;"><b>Manager Of 9,000 Apartments Testing New AI Tool To Find Tenants</b> <a class="link" href="https://www.bisnow.com/washington-dc/news/proptech/manager-of-9000-apartments-testing-new-ai-tool-find-tenants-134227?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">Major U.S. property managers are deploying AI to predict tenant behavior and optimize lead scoring, signaling a shift toward data-driven occupancy strategies that could redefine leasing efficiency in the multifamily sector.</p><p class="paragraph" style="text-align:left;"><b>The Top 3 AI Use Cases Supercharging Real Estate Marketing Right Now</b> <a class="link" href="https://www.attomdata.com/news/attom-insights/client-case-studies/the-top-3-ai-use-cases-supercharging-real-estate-marketing-right-now/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">By integrating predictive analytics with automated content generation, U.S. firms are now identifying &quot;likely-to-sell&quot; homeowners before they even contact an agent, fundamentally shifting real estate from reactive to proactive marketing.</p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>One Chart</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Mapped: America’s Best States to Live In</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/da9c6ca6-c0c4-407b-9994-969b820225eb/image.png?t=1777452668"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><ul><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.jaakko.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Jaakko</a>, a Finnish resi marketplace, <a class="link" href="https://proptechconnect.com/finnish-proptech-jaakkocom-secures-e500k-to-scale-beyond-domestic-market/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised €500K led by Markus Oksa.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.primepoint.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Primepoint</a>, site drawings analysis stack, <a class="link" href="https://proptechconnect.com/primepoint-closes-10m-seed-round-to-advance-an-intelligence-platform-for-construction-drawings/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $10M Seed led by Penny Jar.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.bewy.ch/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">BewyAG</a>, a Swedish MF property mgmt tech, <a class="link" href="https://technotrenz.com/news/swiss-proptech-startup-bewy-ag-secures-187-9k/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised $187.9K led by Venture Kick.</a></p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Market Insights | U.S. Office Q1 2026</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Best & Worst States for Net Migration</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>U.S. Submarkets with Explosive Apartment Inventory Growth</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Market Insights | U.S. Industrial Q1 2026</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Boomers Own a Third of All Housing Wealth, Here Are the Markets They Dominate</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>More Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Off Topic</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Mapped: Grocery Costs as a Share of Income by U.S. State</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/b8b0e2b9-74aa-46f1-ad09-10ebf7e3c195/image.png?t=1777225838"/></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>This is top tier</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/60e4a4a4-0067-4c5f-b261-fc0f36f90a98/image.png?t=1777225736"/></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/814-E-48th-St-Indianapolis-IN-46205/1248724_zpid/?utm_campaign=iosappmessage&utm_medium=referral&utm_source=txtshare" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=white-house-says-housing-shortage-hits-10m-homes" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are finding value, please consider helping the newsletter by becoming a paying subscriber</span></p><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">A subscription gets you:</span></p><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">✓ More issues per week</span></p><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">✓ Special reports on new housing studies</span></p><p class="paragraph" 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  <title>Top 10 U.S. Counties Where Home Prices Plummeted </title>
  <description>Charted: The U.S. Slide in Happiness Rankings Since 2011 and Pete Davidson’s Art-Filled New York Home</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/f9a9baca-9989-4e6e-802a-bdc8af4d3989/image.png" length="1060897" type="image/png"/>
  <link>https://www.zeroflux.io/p/top-10-u-s-counties-where-home-prices-plummeted</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/top-10-u-s-counties-where-home-prices-plummeted</guid>
  <pubDate>Fri, 24 Apr 2026 10:32:00 +0000</pubDate>
  <atom:published>2026-04-24T10:32:00Z</atom:published>
  <content:encoded><![CDATA[
    <div class='beehiiv'><style>
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</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>A Quick Word From Our Sponsor</b></span></h4><p class="paragraph" style="text-align:left;"><span style="color:#ff6e80;"><b>—-</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><h3 class="heading" style="text-align:left;" id="why-eatertainment-brands-are-worth-">Why ‘Eatertainment’ Brands Are Worth Billions</h3><div class="image"><a class="image__link" href="https://invest.tipsyputt.com/?utm_source=email&utm_medium=paid-partnership&utm_campaign=partnership185-380_04-21_vara_unita_35799050797_{{publication_alphanumeric_id}}&_bhiiv=opp_52a20066-bce6-4199-930b-0d5506476298_36ebf417&bhcl_id=df5a16c3-9fc0-467e-8433-9af1eac7e202_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/3cbc04a2-a7a8-477a-ad32-32422d5d2d4c/6_TipsyPutt_Partnership_1200x600_041326_002.png?t=1776953363"/></a></div><p class="paragraph" style="text-align:left;">Before a restaurant sells any food, they need to buy it. That costs up to 35% on every dollar.</p><p class="paragraph" style="text-align:left;">But <a class="link" href="https://invest.tipsyputt.com/?utm_source=email&utm_medium=paid-partnership&utm_campaign=partnership185-380_04-21_vara_unita_35799050797_{{publication_alphanumeric_id}}&_bhiiv=opp_52a20066-bce6-4199-930b-0d5506476298_36ebf417&bhcl_id=df5a16c3-9fc0-467e-8433-9af1eac7e202_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Tipsy Putt’s business model cuts that number to less than 20%.</a></p><p class="paragraph" style="text-align:left;">It’s called “Eatertainment,” the same model that turned TopGolf and Bowlero into billion-dollar companies. </p><p class="paragraph" style="text-align:left;">Tipsy Putt is on a mission to dominate the mini golf slice of the Eatertainment space. Their mini golf, craft cocktails, and local eats have <a class="link" href="https://invest.tipsyputt.com/?utm_source=email&utm_medium=paid-partnership&utm_campaign=partnership185-380_04-21_vara_unita_35799050797_{{publication_alphanumeric_id}}&_bhiiv=opp_52a20066-bce6-4199-930b-0d5506476298_36ebf417&bhcl_id=df5a16c3-9fc0-467e-8433-9af1eac7e202_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">already drawn 5,000+ active members.</a> And out of those three revenue streams, the highest-margin one (mini golf) requires no inventory whatsoever. </p><p class="paragraph" style="text-align:left;">The result? </p><p class="paragraph" style="text-align:left;">Five profitable California locations </p><p class="paragraph" style="text-align:left;">22x revenue growth from 2020-24</p><p class="paragraph" style="text-align:left;">75% more potential revenue per square foot</p><p class="paragraph" style="text-align:left;">Now, they’re bringing this model to San Francisco, America&#39;s #3 foodie city. It’s going to address a Bay Area market of 7 million people. You can <a class="link" href="https://invest.tipsyputt.com/?utm_source=email&utm_medium=paid-partnership&utm_campaign=partnership185-380_04-21_vara_unita_35799050797_{{publication_alphanumeric_id}}&_bhiiv=opp_52a20066-bce6-4199-930b-0d5506476298_36ebf417&bhcl_id=df5a16c3-9fc0-467e-8433-9af1eac7e202_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">invest in Tipsy Putt’s SF flagship location before it opens</a>.</p><p class="paragraph" style="text-align:left;"><span style="color:rgb(89, 89, 89);"><a class="link" href="https://invest.tipsyputt.com/?utm_source=email&utm_medium=paid-partnership&utm_campaign=partnership185-380_04-21_vara_unita_35799050797_{{publication_alphanumeric_id}}&_bhiiv=opp_52a20066-bce6-4199-930b-0d5506476298_36ebf417&bhcl_id=df5a16c3-9fc0-467e-8433-9af1eac7e202_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">I’m Ready to Invest</a></span></p><p class="paragraph" style="text-align:left;"><sup><i>This is a paid advertisement for Tipsy Putt Regulation CF offering. Please read the offering circular at </i></sup><sup><i><a class="link" href="https://invest.tipsyputt.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow">https://invest.tipsyputt.com/</a></i></sup></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.10%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.09%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.27%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.71%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01% - 7.13%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.50%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.25%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.65%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.35% - 6.52%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.74%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.21%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.58%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.58% - 6.54%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.48%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.12%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.09%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.85%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.45%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.72%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.15%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.10%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.59% - 7.25%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.76%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.21%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.58%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.60% - 6.55%</span></p></td></tr></table></div><p class="paragraph" style="text-align:left;"></p><p class="paragraph" style="text-align:left;"><b>Recent Historic Daily Rates</b></p><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Date</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr Fixed</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>15 Yr Fixed</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr Jumbo</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>7/6 ARM</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr FHA</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr VA</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/24/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.50%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.48%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.72%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.74%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.76%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/23/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.50%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.48%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.72%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.75%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.77%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/22/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.15%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.54%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.52%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.72%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.78%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.80%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/21/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.18%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.57%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.57%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.72%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.81%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.83%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/20/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.19%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.58%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.60%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.72%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.81%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.83%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Top 10 U.S. Counties Where Home Prices Plummeted up to $525,000 in One Year</b> <a class="link" href="https://www.realtor.com/news/trends/10-counties-where-home-prices-plummeted-up-to-525k-in-one-year/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Pitkin County, Colorado, saw the biggest dollar drop in the country, with median list prices falling by over $525,000 as luxury mountain markets began to cool off.</p></li><li><p class="paragraph" style="text-align:left;">Other major declines happened in high-end vacation spots like Martha’s Vineyard and Napa Valley, often because more lower-priced homes are finally hitting the market.</p></li><li><p class="paragraph" style="text-align:left;">While the dollar amounts are huge in expensive areas, rural spots like Custer County, Idaho, and Washington County, Alabama, actually saw larger percentage drops in value.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>U.S. housing supply is quietly building and it’s starting to show up in the data.</b> <a class="link" href="https://www.multifamilyinsiders.com/multifamily-blogs/u-s-housing-supply-is-quietly-building-and-its-starting-to-show-up-in-the-data?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Relistings hit a record high in January 2026, with nearly 45,000 homes coming back onto the market after being previously pulled.</p></li><li><p class="paragraph" style="text-align:left;">These returning sellers now make up 3.6% of all active listings, which is nearly double the share we saw back in 2022.</p></li><li><p class="paragraph" style="text-align:left;">This surge in inventory means we&#39;ll likely see more price adjustments as sellers compete for buyers during the spring season.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Mapped: Median Annual Property Taxes by State</b> <a class="link" href="https://www.visualcapitalist.com/mapped-median-annual-property-taxes-by-state/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/24be0756-3905-4266-9167-e617ab286d35/image.png?t=1776012602"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">New Jersey homeowners pay the most in the country with a median tax bill of $9,358, while West Virginia and Alabama have the lowest at under $900.</p></li><li><p class="paragraph" style="text-align:left;">The Northeast is the most expensive region for property taxes, claiming seven of the top ten highest spots on the list.</p></li><li><p class="paragraph" style="text-align:left;">Bills are mostly driven by local home values and how much a specific state relies on property taxes to fund its schools and services.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Something I found Interesting</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>AI Ruined a Home Listing, but a Strategy Switch Is Getting More Interest From Buyers</b> <a class="link" href="https://www.realtor.com/news/trends/ai-virtual-staging-versus-physical-staging-home-listing/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">A top New York agent found that listings using AI virtual staging sat on the market for months without selling.</p></li><li><p class="paragraph" style="text-align:left;">Switching to physical staging led to a 169% increase in online views and much more interest from serious buyers.</p></li><li><p class="paragraph" style="text-align:left;">While it costs more upfront, real furniture helps people understand the scale of a room and creates a stronger emotional connection than digital images.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#04aa1b;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Location Specific</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#04aa1b;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Idaho Passes Laws To Boost Starter Home Neighborhoods</b> <a class="link" href="https://www.realtor.com/news/real-estate-news/idaho-new-laws-starter-homes-zoning/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Idaho&#39;s governor signed two laws that prevent cities from blocking high-density starter homes on large tracts and allow for smaller lot sizes down to 1,400 square feet.</p></li><li><p class="paragraph" style="text-align:left;">New rules also stop local governments and HOAs from banning accessory dwelling units, ensuring property owners can build at least one ADU on their lot.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b></p><p class="paragraph" style="text-align:left;"></p><p class="paragraph" style="text-align:left;"><b>AI-Powered Home Sales: Why NOVA Sellers Choose Tech-Savvy Realtors</b> <a class="link" href="https://activerain.com/blogsview/5928536/ai-powered-home-sales--why-nova-sellers-choose-tech-savvy-realtors?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">In the competitive Northern Virginia market, AI is becoming the primary differentiator for sellers who prioritize hyper-targeted digital marketing and predictive pricing models to maximize their home’s value.</p><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:"Space Mono", Courier, "Lucida Console", Monaco, monospace;"><b>Proptech Startups That Just Got Funded</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><ul><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.groundhawk.io/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Groundhawk</a>, Finnish utilities mapping tech, <a class="link" href="https://tech.eu/2026/03/03/groundhawk-raises-eur2m-to-digitise-europes-underground-infrastructure/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a €2M seed led by Greencode.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.plumefinder.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Plume</a>, a geospatial data startup, <a class="link" href="https://www.finsmes.com/2026/04/plume-raises-3-9m-in-funding.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised $3.9M led by AENU.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://carbonupcycling.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">CarbonUpcycling</a>, a Canadian sustainable cement co, <a class="link" href="https://www.finsmes.com/2026/04/carbon-upcycling-technologies-raises-10m-in-funding.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised 10M led by ATEL</a>.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Markets Where Apartment Construction Activity Has Dried Up</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>The California City That&#39;s Become a Quantum-Ready Real Estate Market</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Shallow-Bay Warehouse Demand Outpaces Supply, Driving Strong Rent Gains</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Fastest Growing U.S. Metros in 2025</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Markets with the Nation’s Lowest and Highest Unemployment Rates</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Off Topic</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Charted: The U.S. Slide in Happiness Rankings Since 2011</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/0c3a7541-0984-4933-9ed5-213f1800aefa/image.png?t=1776013504"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Pete Davidson’s Art-Filled New York Home</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/f138f9e1-44d2-4f59-87e2-739924cd5e58/image.png?t=1776013843"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/258-Hardscrabble-Rd-North-Salem-NY-10560/33071480_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-u-s-counties-where-home-prices-plummeted" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are 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      <item>
  <title>Where U.S. Home Prices Are Rising and Falling</title>
  <description>The Fastest Growing Jobs in the U.S, Private Island with Cabin in Maine for $259k</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/f9a9baca-9989-4e6e-802a-bdc8af4d3989/image.png" length="1060897" type="image/png"/>
  <link>https://www.zeroflux.io/p/where-u-s-home-prices-are-rising-and-falling</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/where-u-s-home-prices-are-rising-and-falling</guid>
  <pubDate>Fri, 10 Apr 2026 10:32:00 +0000</pubDate>
  <atom:published>2026-04-10T10:32:00Z</atom:published>
  <content:encoded><![CDATA[
    <div class='beehiiv'><style>
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</style><div class='beehiiv__body'><p class="paragraph" style="text-align:left;"></p><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>A Quick Word From Our Sponsor</b></span></h4><p class="paragraph" style="text-align:left;"><span style="color:#ff6e80;"><b>—-</b></span></p></div><h3 class="heading" style="text-align:left;" id="this-deloitte-fast-500-honoree-is-e">This Deloitte Fast 500 Honoree Is Eyeing 7X Growth</h3><div class="image"><a class="image__link" href="https://invest.edisoninteractive.com/?utm_source=email&utm_medium=paid-partnership&utm_campaign=partnership185-380_03-31_vara_unita_47872298075_{{publication_alphanumeric_id}}&_bhiiv=opp_5261618c-3b2b-4f42-a58c-225ef425d5d1_5587559f&bhcl_id=976f9a01-6c91-4188-8a3e-41a3630e7ed8_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/954db724-d0cd-489c-822a-2ab66563c4c8/4_EdisonInteractive_Partnerships_1200x600_032726_002.png?t=1775764485"/></a></div><p class="paragraph" style="text-align:left;">On 55,000+ screens in the US, a new cutting-edge AI platform is modernizing the guest experience across industries.</p><p class="paragraph" style="text-align:left;">And the company behind it, <a class="link" href="https://invest.edisoninteractive.com/?utm_source=email&utm_medium=paid-partnership&utm_campaign=partnership185-380_03-31_vara_unita_47872298075_{{publication_alphanumeric_id}}&_bhiiv=opp_5261618c-3b2b-4f42-a58c-225ef425d5d1_5587559f&bhcl_id=976f9a01-6c91-4188-8a3e-41a3630e7ed8_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Edison Interactive</a>, is just getting started. They’ve even opened a new investment opportunity with plans to grow its footprint from 55,000 to 400,000 screens.</p><p class="paragraph" style="text-align:left;">Edison’s AI-powered entertainment platform modernizes screens in venues like golf courses and hotels, helping the company earn Deloitte Fast 500 Honoree. Already deployed at premier locations like TPC, Bethpage, and Caesars Entertainment, it opens new revenue streams for operators and Edison. In fact, they’ve <a class="link" href="https://invest.edisoninteractive.com/?utm_source=email&utm_medium=paid-partnership&utm_campaign=partnership185-380_03-31_vara_unita_47872298075_{{publication_alphanumeric_id}}&_bhiiv=opp_5261618c-3b2b-4f42-a58c-225ef425d5d1_5587559f&bhcl_id=976f9a01-6c91-4188-8a3e-41a3630e7ed8_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">already earned $60M to date.</a></p><p class="paragraph" style="text-align:left;">And to grow its footprint 7X, Edison is doing more than just expanding in golf and hospitality. Verizon is partnering with Edison to bring their platform to professional sports stadiums. From there, airplanes, cruise ships, trains, and more await.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://invest.edisoninteractive.com/?utm_source=email&utm_medium=paid-partnership&utm_campaign=partnership185-380_03-31_vara_unita_47872298075_{{publication_alphanumeric_id}}&_bhiiv=opp_5261618c-3b2b-4f42-a58c-225ef425d5d1_5587559f&bhcl_id=976f9a01-6c91-4188-8a3e-41a3630e7ed8_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Now’s your chance to claim a piece.</a></p><p class="paragraph" style="text-align:left;"><a class="link" href="https://invest.edisoninteractive.com/?utm_source=email&utm_medium=paid-partnership&utm_campaign=partnership185-380_03-31_vara_unita_47872298075_{{publication_alphanumeric_id}}&_bhiiv=opp_5261618c-3b2b-4f42-a58c-225ef425d5d1_5587559f&bhcl_id=976f9a01-6c91-4188-8a3e-41a3630e7ed8_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Invest in Edison Interactive Today.</a></p><p class="paragraph" style="text-align:left;"><sup><i>This is a paid advertisement for Edison Interactive Regulation CF offering. Please read the offering circular at </i></sup><sup><i><a class="link" href="https://invest.edisoninteractive.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow">https://invest.edisoninteractive.com/</a></i></sup></p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.38%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.17%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.85%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01% - 7.13%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.98%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.09%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.72%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.52%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.90%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.63%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.69% - 6.54%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.55%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.88%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.45%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.00%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.16%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.43%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.29% - 7.12%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.92%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.62%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.54%</span></p></td></tr></table></div><p class="paragraph" style="text-align:left;"><b>Recent Historic Daily Rates</b></p><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Date</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr Fixed</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>15 Yr Fixed</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr Jumbo</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>7/6 ARM</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr FHA</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>30 Yr VA</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/09/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.38%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.98%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.55%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.90%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.92%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/08/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.40%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.57%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.99%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.89%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.91%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/07/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.44%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.60%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.92%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.93%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/06/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.43%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.60%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.09%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.91%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.92%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>04/03/26</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.45%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.60%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.91%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.93%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f78418;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Macro Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f78418;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>--</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><b>U.S. Labor Market Rebounds in March</b> <a class="link" href="https://www.realpage.com/analytics/march-2026-us-employment-update/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/173c82fd-c850-40d3-b829-6b5f48ca0f26/image.png?t=1775585217"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">The U.S. added 178,000 jobs in March, marking the strongest month for hiring in over a year and easily beating expectations.</p></li><li><p class="paragraph" style="text-align:left;">Unemployment dipped slightly to 4.3%, with the biggest hiring gains happening in the healthcare and education sectors.</p></li><li><p class="paragraph" style="text-align:left;">While most industries saw growth, sectors like finance and government lost jobs, and there are concerns about how the war in Iran might affect future reports.</p></li></ul></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Multifamily Investors Pivot to Oversupply Risks </b><b><a class="link" href="https://jbrec.com/insights/cre-capital-markets-multifamily-oversupply/?utm_campaign=BMI&utm_medium=email&_hsenc=p2ANqtz--HQS_yrdTM5kX-XEDNnR19FC0yt9q3rDgKZo189xYxV3Um1BLDivEQvJ_FfOrtXsVMdskete1pY995aOxBt-89tjlgH4zDodRIBlC5ilWrVf2qB3o&_hsmi=408096588&utm_content=408096588&utm_source=hs_email" target="_blank" rel="noopener noreferrer nofollow">Link</a></b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/f0c567ed-fd6b-4d29-946e-2862f8527f4b/image.png?t=1775585011"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Investors have shifted their main concern from interest rates to the high number of new apartments hitting the market.</p></li><li><p class="paragraph" style="text-align:left;">About 72% of commercial real estate investors are staying on the sidelines right now, choosing not to increase or decrease their holdings.</p></li><li><p class="paragraph" style="text-align:left;">While many people expect borrowing costs to drop later this year, multifamily is currently the only major sector where owners aren&#39;t expecting property values to grow anytime soon.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Home Flipping Profits Lowest Since Great Recession</b> <a class="link" href="https://www.attomdata.com/news/market-trends/flipping/2025-year-end-home-flipping-report/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/442816af-413a-491f-9ace-054df98a013a/image.png?t=1775585079"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Investor profit margins dropped to 25.5 percent in 2025, which is the lowest return on investment the industry has seen since 2008.</p></li><li><p class="paragraph" style="text-align:left;">The average gross profit on a flip fell to about $66,000 as high purchase prices and stiff competition made it much harder for flippers to find good deals.</p></li><li><p class="paragraph" style="text-align:left;">Flipping activity also slowed down, with less than 300,000 homes flipped nationwide, marking the lowest volume of sales since 2020.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Mapped: Where U.S. Home Prices Are Rising and Falling</b> <a class="link" href="https://www.visualcapitalist.com/mapped-where-u-s-home-prices-are-rising-and-falling/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/a8e96c8e-4e2f-4a90-beb7-0778b04c2def/image.png?t=1775585119"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Home prices are climbing in more affordable regions like the Midwest and Northeast, with Chicago seeing a 4.0% increase.</p></li><li><p class="paragraph" style="text-align:left;">Western and Sun Belt markets are cooling off significantly, highlighted by Honolulu&#39;s 8.1% drop and Miami&#39;s 4.3% decline.</p></li><li><p class="paragraph" style="text-align:left;">The national market is split as growth stalls in expensive coastal cities like Seattle and Los Angeles while remaining steady in cheaper metros.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://www.asseti.co/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow"><b>Asseti</b></a></p><p class="paragraph" style="text-align:left;">Asseti an AI-powered asset condition monitoring platform to simplify your facility management workflows.</p><ul><li><p class="paragraph" style="text-align:left;"><b>Realtor.com launches ChatGPT experience to help users find homes</b> <a class="link" href="https://www.housingwire.com/articles/realtorcom-chatgpt-app-launch/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">By integrating natural language search into the home-buying process, Realtor.com is moving the U.S. market toward a future where AI serves as a primary, conversational interface for property discovery.</p></li><li><p class="paragraph" style="text-align:left;"><b>24 AI Statistics And Trends In 2024</b> <a class="link" href="https://www.forbes.com/advisor/business/ai-statistics/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">With 64% of businesses expecting AI to increase productivity, the U.S. real estate sector is poised for a massive shift toward automated customer management and data-driven property valuation.</p></li><li><p class="paragraph" style="text-align:left;"><b>Shilo Signals DISC Profiles Calls</b> <a class="link" href="https://www.housingwire.com/articles/shilo-signals-disc-profiles-calls/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">By using AI to perform real-time behavioral analysis on prospect calls, this tool allows U.S. real estate agents to instantly adapt their negotiation style to match a lead&#39;s personality profile.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:rgb(224, 45, 245);font-family:"Space Mono", Courier, "Lucida Console", Monaco, monospace;"><b>Proptech Startups That Just Got Funded</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><ul><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.brickken.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Brickken</a>, an Industrial RE tokenization co, <a class="link" href="https://proptechconnect.com/brickken-secures-e3m-pre-series-a-funding/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a €3M pre-series A round</a>.</p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://neuronfactory.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">NeuronFactory</a>, pre-con mgmt platform, <a class="link" href="https://www.finsmes.com/2026/04/neuron-factory-closes-strategic-investment.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised funding led by Zacua Ventures</a>.</p></li><li><p class="paragraph" style="text-align:left;"><span style="text-decoration:underline;"><a class="link" href="https://www.alcatraz.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Alcatraz</a></span>, access control for data centers, <a class="link" href="https://www.securityinfowatch.com/access-identity/access-control/news/55368197/alcatraz-ai-alcatraz-raises-50m-to-expand-ai-enabled-access-control-platform?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $50M B round led by Blackpeak.</a></p></li></ul><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>2026 Global Investor Intentions Survey - Some Interesting Insights</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>How Micro-Market Math Is Rewriting Sun Belt Multifamily Plays</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Gen Z Is America’s Most Mobile Generation, Here’s Where They’re Heading</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Potential Impact of Rising Oil Prices on Real Estate Values </b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Off Topic</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>The Fastest Growing Jobs in the U.S.</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/f9a9baca-9989-4e6e-802a-bdc8af4d3989/image.png?t=1775585295"/></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Private Island with Cabin in Maine for $259k</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/5e2ea584-e6dc-407e-8190-e2732e417fc8/image.png?t=1775586104"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/Map3lot57-Little-Doucet-Is-Robbinston-ME-04671/459658334_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-u-s-home-prices-are-rising-and-falling" target="_blank" rel="noopener noreferrer 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Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are 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      <item>
  <title>Top 10 Counties with the Largest Annual Price Increase</title>
  <description>The Most Valuable Sports Teams in 2026, $100k for 2,400 sq ft in Ohio... fully updated and more</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/dcc253c2-aee5-42ee-8f54-34ee3f1e00a3/image.png" length="479661" type="image/png"/>
  <link>https://www.zeroflux.io/p/top-10-counties-with-the-largest-annual-price-increase</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/top-10-counties-with-the-largest-annual-price-increase</guid>
  <pubDate>Mon, 06 Apr 2026 10:31:00 +0000</pubDate>
  <atom:published>2026-04-06T10:31:00Z</atom:published>
  <content:encoded><![CDATA[
    <div class='beehiiv'><style>
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  .bh__table_header p { color: #030000FF; font-family:'Poppins',Helvetica,sans-serif !important; overflow-wrap: break-word; }
</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>A Quick Word From Our Sponsor</b></span></h4><p class="paragraph" style="text-align:left;"><span style="color:#ff6e80;"><b>—-</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><h3 class="heading" style="text-align:left;" id="market-volatility-exposes-weak-dele">Market Volatility Exposes Weak Delegation </h3><div class="image"><a class="image__link" href="https://resources.belaysolutions.com/the-financial-advisors-delegation-guide?utm_campaign=35061090-Financial+Industry+Focus+-+AS&utm_source=beehiiv&utm_medium=PrimaryA&utm_term={{publication_alphanumeric_id}}&_bhiiv=opp_590fedde-f592-4c6e-9827-84eabbea745a_3d36ef00&bhcl_id=5c215aac-cd74-4574-b50b-4994c03c5f41_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/c6a26173-724a-49fe-956a-84ffd6d36ba6/BeeHive_-_PRIMARY_AD_1__Volatility_doesn_t_create_weak_systems__it_exposes_them.png?t=1774296397"/></a></div><p class="paragraph" style="text-align:left;">When markets get shaky, advisors don’t just manage portfolios. They manage fear, questions, follow-up and a flood of client communication.</p><p class="paragraph" style="text-align:left;">That’s where weak delegation gets expensive.</p><p class="paragraph" style="text-align:left;">If meeting prep, paperwork, CRM updates and account admin still run through you, response times slip and the client experience takes the hit.</p><p class="paragraph" style="text-align:left;">BELAY created the free <a class="link" href="https://resources.belaysolutions.com/the-financial-advisors-delegation-guide?utm_campaign=35061090-Financial+Industry+Focus+-+AS&utm_source=beehiiv&utm_medium=PrimaryA&utm_term={{publication_alphanumeric_id}}&_bhiiv=opp_590fedde-f592-4c6e-9827-84eabbea745a_3d36ef00&bhcl_id=5c215aac-cd74-4574-b50b-4994c03c5f41_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Financial Advisor’s Delegation Guide</a> to help you identify what to hand off, what to keep and how to stay client-facing without losing control.</p><p class="paragraph" style="text-align:left;">Inside, you’ll learn how to reduce bottlenecks, protect responsiveness and free up more time for the work only you should be doing.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://resources.belaysolutions.com/the-financial-advisors-delegation-guide?utm_campaign=35061090-Financial+Industry+Focus+-+AS&utm_source=beehiiv&utm_medium=PrimaryA&utm_term={{publication_alphanumeric_id}}&_bhiiv=opp_590fedde-f592-4c6e-9827-84eabbea745a_3d36ef00&bhcl_id=5c215aac-cd74-4574-b50b-4994c03c5f41_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Download BELAY’s Guide!</a></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.45%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.21%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.19%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01% - 7.13%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.02%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.12%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.12%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.52%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.91%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.16%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.69% - 6.54%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.60%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.22%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.85%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.45%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.05%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.26%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.65%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.29% - 7.12%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.93%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.19%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.21%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.16%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Top 10 Counties with the Largest Annual Increase in Median Home Price in Q1 2026</b> <a class="link" href="https://www.attomdata.com/news/market-trends/figuresfriday/top-10-counties-with-the-largest-annual-increase-in-median-home-price-in-q1-2026/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Mercer County, Pennsylvania, saw the biggest jump in the country with a 29% annual increase in median home prices.</p></li><li><p class="paragraph" style="text-align:left;">Other areas seeing a massive spike include Warren County, Kentucky, at 23% and both Fayette County, Georgia, and Richland County, Ohio, at 22%.</p></li><li><p class="paragraph" style="text-align:left;">Nationally, median prices rose 8% since early 2024, even as homeownership remains less affordable than historical norms in 97% of the counties studied.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Tight Supply Drives MOB Rents Higher</b> <a class="link" href="https://www.cbre.com/insights/figures/q4-2025-us-medical-outpatient-buildings-figures?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Average asking rents hit a record high of $25.23 per square foot because there is very little new construction hitting the market.</p></li><li><p class="paragraph" style="text-align:left;">Demand for these spaces stayed strong with over 1.2 million square feet of positive absorption, causing the overall vacancy rate to dip to 9.8%.</p></li><li><p class="paragraph" style="text-align:left;">Investment in the sector jumped to $6.1 billion in the final quarter of 2025, which is more than double the volume from the previous quarter.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Front Yard Living Is on the Rise and It Could Boost Curb Appeal and Value</b> <a class="link" href="https://www.realtor.com/advice/home-improvement/front-yard-remodeling-additions/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Homeowners are shifting their focus from the backyard to the front to create spaces for social connection and community.</p></li><li><p class="paragraph" style="text-align:left;">Popular upgrades like new seating, lighting, and front porches can significantly increase a home’s sale price and curb appeal.</p></li><li><p class="paragraph" style="text-align:left;">Simple projects like replacing a front door can offer a massive return on investment, sometimes as high as 188%.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>10 Best Real Estate CRMs Of 2026: Forbes</b> <a class="link" href="https://www.forbes.com/advisor/business/software/best-real-estate-crm/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Lofty is the top pick for its AI tools that handle marketing plans and lead qualifying, while Boldtrail is best for those needing high-quality IDX websites.</p></li><li><p class="paragraph" style="text-align:left;">Affordable options like Agile CRM and Zoho CRM offer strong document management and integrations, whereas premium tools like BoomTown focus heavily on lead generation.</p></li><li><p class="paragraph" style="text-align:left;">The best choice depends on specific needs like team collaboration, which Wise Agent leads, or email marketing where Pipedrive stands out with its easy drag-and-drop builder.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Something I found Interesting</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#6727fc;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>What Is Zillow Preview, and What Does It Mean for Home Buyers?</b> <a class="link" href="https://www.nytimes.com/2026/03/27/realestate/zillow-preview-explainer-listings.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Zillow Preview is a new feature that lets certain brokerages show home listings on the site before they officially hit the open market.</p></li><li><p class="paragraph" style="text-align:left;">For buyers, this means getting a first look at properties that were previously kept hidden in private agent networks or &quot;pocket listings.&quot;</p></li><li><p class="paragraph" style="text-align:left;">While Zillow used to fight against these private deals to keep things fair, they are now embracing them to give their users an edge in a tight housing market.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://restb.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow"><b>RestB.ai</b></a></p><p class="paragraph" style="text-align:left;">Computer vision and AI solutions helps you understand the content of your property images and translate it into actionable insights to enable you to improve valuation accuracy, automate time-consuming manual processes, and enhance the way people interact with properties.</p><p class="paragraph" style="text-align:left;"><b>Zillow CEO to WSJ: AI is Reducing Friction in Real Estate</b> <a class="link" href="https://www.forbes.com/advisor/business/software/best-real-estate-crm/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">Zillow is leveraging AI to create a seamless &quot;housing super app&quot; that integrates search, financing, and closing into a single digital flow to accelerate U.S. transaction speeds.</p><p class="paragraph" style="text-align:left;"><b>HomeSage.ai Launches Browser Extension to Help Real Estate Investors Spot Deals Faster</b> <a class="link" href="https://www.desertsun.com/press-release/story/121526/homesageai-launches-browser-extension-to-help-real-estate-investors-spot-deals-faster/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">This tool democratizes advanced property data by allowing U.S. investors to instantly analyze risk and profitability metrics directly within their browsers, significantly shortening the &quot;speed-to-lead&quot; window in a competitive market.</p><p class="paragraph" style="text-align:left;"><b>A Real Estate Agent Built What the Industry Hasn&#39;t Yet, Using Nothing But AI</b> <a class="link" href="https://www.prnewswire.com/news-releases/a-real-estate-agent-built-what-the-industry-hasnt-yet--using-nothing-but-ai-302722834.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">This grassroots development signals a shift where individual U.S. agents are bypassing corporate tech stacks to build bespoke, AI-driven automation that solves hyper-local market inefficiencies.</p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><p class="paragraph" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><ul><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.metiundo.io/en?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Metiundo</a>, German MF Smart metering, <a class="link" href="https://www.startupresearcher.com/news/metiundo-secures-usd47-5-million-for-smart-metering-expansionhttps://www.startupresearcher.com/news/metiundo-secures-usd47-5-million-for-smart-metering-expansion?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $47.6M A round led by Octopus.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.diligencesquared.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">DiligenceSquared</a>, a CRE due diligence co, <a class="link" href="https://www.citybiz.co/article/815116/diligencesquared-raises-5m-seed-round-led-by-relentless-with-participation-from-y-combinator/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised</a><b><a class="link" href="https://www.citybiz.co/article/815116/diligencesquared-raises-5m-seed-round-led-by-relentless-with-participation-from-y-combinator/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)"> </a></b><a class="link" href="https://www.citybiz.co/article/815116/diligencesquared-raises-5m-seed-round-led-by-relentless-with-participation-from-y-combinator/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">a $5M seed led by Relentless.</a></p></li><li><p class="paragraph" style="text-align:left;"><span style="text-decoration:underline;"><a class="link" href="https://www.tryprocode.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">ProcodeAI</a></span>, a construction planning stack, <a class="link" href="https://www.finsmes.com/2026/03/procode-ai-raises-4m-in-funding-acquires-the-auctus-group.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised $4M in funding led by Story.</a></p></li></ul><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Which markets should we target for homebuilding in 2026?</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>A large elderly population doesn&#39;t automatically mean more people move into assisted living</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>The housing bill that will make affordability worse, not better</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Off Topic</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>The Most Valuable Sports Teams in 2026</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/d4f79c12-d26b-4667-85b6-7617c12016c8/image.png?t=1774318248"/></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>$100k for 2,400 sq ft in Ohio… fully updated. Would you buy this?</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/2c39d9bd-0219-449e-81df-604d0e338ca3/image.png?t=1774318573"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/512-Clearmont-Dr-Youngstown-OH-44511/34857336_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-counties-with-the-largest-annual-price-increase" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are finding value, please consider helping the newsletter by becoming a paying subscriber</span></p><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">A subscription gets you:</span></p><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">✓ More issues per week</span></p><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">✓ Special reports on new housing studies</span></p><p class="paragraph" 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      <item>
  <title>5 Trends From the Builders Show</title>
  <description>Who’s Powering Global Economic Growth in 2026?, A ZERO bedroom for $329,900 and more</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/170a540f-aca0-41ae-b0a9-56ac96d9dcd9/image.png" length="2186914" type="image/png"/>
  <link>https://www.zeroflux.io/p/5-trends-from-the-builders-show</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/5-trends-from-the-builders-show</guid>
  <pubDate>Mon, 16 Mar 2026 10:31:00 +0000</pubDate>
  <atom:published>2026-03-16T10:31:00Z</atom:published>
    <dc:creator>Vidit Saxena</dc:creator>
  <content:encoded><![CDATA[
    <div class='beehiiv'><style>
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</style><div class='beehiiv__body'><hr class="content_break"><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">If you want off market properties for 50% off, check out this newsletter → <a class="link" href="https://getoffkey.com?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow">Offkey</a></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>A Quick Word From Our Sponsor</b></span></h4><p class="paragraph" style="text-align:left;"><span style="color:#ff6e80;"><b>—-</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><h3 class="heading" style="text-align:left;">The Year-End Moves No One’s Watching</h3><div class="image"><a class="image__link" href="https://magic.beehiiv.com/v1/2f0a7f16-8131-4842-af34-1cbd8fd2a43c?email={{email}}&redirect_to=https%3A%2F%2Felitetrade.club%2Fsmsoptin%3Femail%3D{{email}}&utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&_bhiiv=opp_af2291e3-f3c6-4829-aaf1-b276e19c1a4b_91968c5f&bhcl_id=a5e3aca6-3296-45f2-9fb7-5255adf9752f_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="border-radius:0px 0px 0px 0px;border-style:solid;border-width:0px 0px 0px 0px;box-sizing:border-box;border-color:#E5E7EB;" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/a8fbcd51-0707-4019-8e27-08495ab6a14e/Banners_ETC.png?t=1762558390"/></a></div><p class="paragraph" style="text-align:left;">Markets don’t wait — and year-end waits even less.</p><p class="paragraph" style="text-align:left;">In the final stretch, money rotates, funds window-dress, tax-loss selling meets bottom-fishing, and “Santa Rally” chatter turns into real tape. Most people notice after the move.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://magic.beehiiv.com/v1/2f0a7f16-8131-4842-af34-1cbd8fd2a43c?email={{email}}&redirect_to=https%3A%2F%2Felitetrade.club%2Fsmsoptin%3Femail%3D{{email}}&utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&_bhiiv=opp_af2291e3-f3c6-4829-aaf1-b276e19c1a4b_91968c5f&bhcl_id=a5e3aca6-3296-45f2-9fb7-5255adf9752f_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Elite Trade Club</a> is your morning shortcut: a curated selection of the setups that still matter this year — the headlines that move stocks, catalysts on deck, and where smart money is positioning before New Year’s. One read. Five minutes. Actionable clarity.</p><p class="paragraph" style="text-align:left;">If you want to start 2026 from a stronger spot, finish 2025 prepared. Join 200K+ traders who open our premarket briefing, place their plan, and let the open come to them.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://magic.beehiiv.com/v1/2f0a7f16-8131-4842-af34-1cbd8fd2a43c?email={{email}}&redirect_to=https%3A%2F%2Felitetrade.club%2Fsmsoptin%3Femail%3D{{email}}&utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&_bhiiv=opp_af2291e3-f3c6-4829-aaf1-b276e19c1a4b_91968c5f&bhcl_id=a5e3aca6-3296-45f2-9fb7-5255adf9752f_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Get Year-End Briefing</a></p><p class="paragraph" style="text-align:left;"><sub>By joining, you’ll receive Elite Trade Club emails and select partner insights. See Privacy Policy.</sub></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.41%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.27%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.42%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.37%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.99% - 7.08%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.01%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.27%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.41%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.47%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.48%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.87%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.15%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.25%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.66%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.62% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.60%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.13%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.15%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.60%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.20%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.78%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.33%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.41%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.67%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.29% - 7.12%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.89%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.15%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.25%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.65%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><b>5 trends that matter from IBS</b> <a class="link" href="https://jbrec.com/insights/ibs-kbis-2026-trends/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(11, 87, 208)">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Brands are focusing on cross-product coordination and ecosystem thinking to help builders save time on matching colors and specs.</p></li><li><p class="paragraph" style="text-align:left;">Smart home tech and AI are becoming more subtle, focusing on reducing friction through features like fridges that order groceries and toilets that passively track health metrics.</p></li><li><p class="paragraph" style="text-align:left;">Companies are moving away from visual excess in favor of transparent demonstrations, using deconstructed products and live tests to prove technical performance.</p></li></ul></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Apartment Concessions Now at Highest Level in 12 Years</b> <a class="link" href="https://www.realpage.com/analytics/january-2026-data-update/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow">Li</a><a class="link" href="https://www.realpage.com/analytics/january-2026-data-update/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow">nk</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/ec1e7532-7993-4fb8-a00b-27bb549b475f/image.png?t=1773205954"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Rent discounts haven&#39;t been this high since 2014, with over 16% of stabilized apartments now offering some kind of deal to move units.</p></li><li><p class="paragraph" style="text-align:left;">Class C buildings are handing out the most breaks, with nearly a quarter of those properties offering discounts to renters in January.</p></li><li><p class="paragraph" style="text-align:left;">These high concessions are sticking around because rent growth is stalled, and overall rents are actually down compared to this time last year.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Remote Buyers Drive the Housing Search in America&#39;s Fastest-Changing Cities</b> <a class="link" href="https://www.globest.com/2026/02/27/remote-buyers-drive-the-housing-search-in-americas-fastest-changing-cities/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Out-of-town shoppers now make up nearly 62% of online home views in the nation&#39;s 100 largest metros. This is a big jump from 2019, when locals still held about half of the interest in these markets.</p></li><li><p class="paragraph" style="text-align:left;">Regions like the South and West are seeing the most outside interest, specifically in cities like Cape Coral and Durham. The Northeast is also seeing a shift as current homeowners stay put, leaving more room for outsiders to eye available listings.</p></li><li><p class="paragraph" style="text-align:left;">A massive influx of AI jobs and data center projects is pulling remote interest into unexpected spots like Omaha, Detroit, and Pittsburgh. Even in tech hubs like San Francisco, the AI rebound is bringing a fresh wave of out-of-market browsers back to the table.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>South Dominates for Build-to-Rent with Nearly 42,000 Units Underway</b> <a class="link" href="https://www.realpage.com/analytics/btr-under-construction-2026/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/0d992758-d896-4b9d-b6c2-55d0b44eecf1/image.png?t=1773205870"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">The South leads the country with approximately 41,700 build-to-rent units currently under construction, which are expected to be finished by the end of 2028.</p></li><li><p class="paragraph" style="text-align:left;">Overall, the U.S. has about 68,700 units in the works, with Phoenix and Dallas serving as the top individual markets for this type of housing.</p></li><li><p class="paragraph" style="text-align:left;">Most of this building activity is happening in the Sun Belt because of high population growth and the increasing cost difference between buying and renting a home.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Why C-Stores Suddenly Dominate Net Lease Deal Flow</b> <a class="link" href="https://www.globest.com/2026/02/24/why-c-stores-suddenly-dominate-net-lease-deal-flow/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">New tax laws allowing permanent 100% bonus depreciation have triggered a 27% jump in available store inventory as owners rush to trade properties.</p></li><li><p class="paragraph" style="text-align:left;">Most available listings are high-quality assets, with about 67% of stores carrying lease terms of 10 years or longer.</p></li><li><p class="paragraph" style="text-align:left;">Major brands like 7-Eleven and Wawa are driving the market by shifting their focus toward larger, food-centric store formats to rely less on gas sales.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:rgb(4, 170, 27);font-family:"Space Mono", Courier, "Lucida Console", Monaco, monospace;"><b>Proptech Startups That Just Got Funded</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#04aa1b;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><span style="text-decoration:line-through;"><b>—-</b></span></span></p></div><ul><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.meltplan.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">MeltPlan</a>, an Indian pre-con planning stack, <a class="link" href="http://passionateinmarketing.com/ai-platform-meltplan-raises-10-million-in-seed-funding-led-by-bessemer-venture-partners-to-make-construction-boring/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $10M seed led by Bessemer.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.faropoint.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Faropoint</a>, an RE investment manager service stack, <a class="link" href="https://www.finsmes.com/2026/02/faropoint-receives-investment-from-apg.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">received funding via APG.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.tewke.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Tewke</a>, British home automation, <a class="link" href="https://proptechconnect.com/tewke-secures-15m-to-scale-al-powered-home-energy-platform/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised </a><a class="link" href="https://www.finsmes.com/2026/02/robosizeme-raises-2m-in-seed-funding.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">$2M</a>+<a class="link" href="https://proptechconnect.com/tewke-secures-15m-to-scale-al-powered-home-energy-platform/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)"> led by JamJar Investments.</a></p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://www.justappraised.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow"><b>Just Appraised</b></a></p><p class="paragraph" style="text-align:left;">AI driven software to help government tax assessment offices streamline property appraisal process</p><p class="paragraph" style="text-align:left;"><b>RenoFi Raises $22M in Series B Funding</b> <a class="link" href="https://www.housingwire.com/articles/renofi-22m-series-b-funding/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">By leveraging data-driven underwriting to factor post-renovation value into home equity loans, this platform enables U.S. homeowners to bypass traditional appraisal bottlenecks and modernize aging housing stock.</p><p class="paragraph" style="text-align:left;"><b>The Next Chapter of AI in Real Estate: How Zillow is Building the &quot;Housing Super App&quot;</b> <a class="link" href="https://www.zillow.com/news/next-chapter-of-ai-in-real-estate/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">Zillow is leveraging generative AI and conversational search to transform the U.S. consumer experience into a seamless &quot;housing super app&quot; that predicts buyer needs before they even filter a search.</p><p class="paragraph" style="text-align:left;"><b>How Commercial Property Management Firms Are Using AI and Hope to Use It</b> <a class="link" href="https://www.facilitiesdive.com/news/how-commercial-property-management-firms-are-using-ai-and-hope-to-use-it/813798/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">U.S. commercial firms are pivoting from basic administrative AI toward sophisticated predictive maintenance and energy optimization to combat rising operational costs.</p><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Top 10 Best Single-Family Rental Counties in 2026</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>The Policy Shifts Property Managers Need to Watch in 2026</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>This City Set for Another Record Year of Multifamily Deliveries in 2026</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>The housing bill that will make affordability worse, not better</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Investors double down on this sub asset class as traditional office falters</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Off Topic</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Who’s Powering Global Economic Growth in 2026?</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/170a540f-aca0-41ae-b0a9-56ac96d9dcd9/image.png?t=1773206178"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>A </b><b><i>ZERO</i></b><b> bedroom home on Long Island (New York) listed at $329,900.</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/c98badfe-a70a-4709-8075-b2c31a7744c3/image.png?t=1773206288"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/84-Wyona-Ave-Selden-NY-11784/59326209_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=5-trends-from-the-builders-show" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are finding value, please 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  <title>Metros with the highest price cuts</title>
  <description>Ranked: The Jobs Most Exposed to Generative AI, A house on a motorway and more!</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/2735757e-976a-4db4-8e3b-014fa5a8f39e/image.png" length="373932" type="image/png"/>
  <link>https://www.zeroflux.io/p/metros-with-the-highest-price-cuts</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/metros-with-the-highest-price-cuts</guid>
  <pubDate>Fri, 06 Mar 2026 11:44:27 +0000</pubDate>
  <atom:published>2026-03-06T11:44:27Z</atom:published>
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</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>A Quick Word From Our Sponsor</b></span></h4><p class="paragraph" style="text-align:left;"><span style="color:#ff6e80;"><b>—-</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><h3 class="heading" style="text-align:left;" id="smart-starts-here">Smart starts here.</h3><div class="image"><a class="image__link" href="https://l.join1440.com/bh?utm_source=beehiiv&utm_medium=cpc&utm_campaign={{publication_alphanumeric_id}}&utm_content=prospecting_smart_starts_here&_bhiiv=opp_c517250f-4456-401b-b380-a3bd3303d4c2_1b75ca79&bhcl_id=fb7902ee-2d91-421d-9541-efe62db829ef_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/55745e59-1ef7-4ba3-ad7a-db4c042d2d0d/1440_January-Static-Image-ODY-38060_1x1_V2.png?t=1769711566"/></a></div><p class="paragraph" style="text-align:left;">You don&#39;t have to read everything — just the right thing. <a class="link" href="https://l.join1440.com/bh?utm_source=beehiiv&utm_medium=cpc&utm_campaign={{publication_alphanumeric_id}}&utm_content=prospecting_smart_starts_here&_bhiiv=opp_c517250f-4456-401b-b380-a3bd3303d4c2_1b75ca79&bhcl_id=fb7902ee-2d91-421d-9541-efe62db829ef_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">1440&#39;s daily newsletter</a> distills the day&#39;s biggest stories from 100+ sources into one quick, 5-minute read. It&#39;s the fastest way to stay sharp, sound informed, and actually understand what&#39;s happening in the world. Join 4.5 million readers who start their day the smart way.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://l.join1440.com/bh?utm_source=beehiiv&utm_medium=cpc&utm_campaign={{publication_alphanumeric_id}}&utm_content=prospecting_smart_starts_here&_bhiiv=opp_c517250f-4456-401b-b380-a3bd3303d4c2_1b75ca79&bhcl_id=fb7902ee-2d91-421d-9541-efe62db829ef_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Join for free today!</a></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.13%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.13%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.59%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.99% - 7.08%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.75%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.14%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.43%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.48%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.72%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.42%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.62% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.42%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.15%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.56%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.20%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.42%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.17%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.93%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.29% - 7.12%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.74%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.45%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Metros with the highest price cuts</b> <a class="link" href="https://www.realtor.com/news/trends/home-price-cuts-map-united-states/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/1d4118f4-0faf-42af-a5e1-09122c47256a/image.png?t=1772765015"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Sellers are cutting prices most often in the South and West, with Austin leading the way at 22.2% of listings seeing at least three reductions.</p></li><li><p class="paragraph" style="text-align:left;">High inventory levels in cities like San Antonio, Tampa, and Phoenix are giving buyers more room to negotiate as homes sit on the market longer.</p></li><li><p class="paragraph" style="text-align:left;">Experts say these repeated cuts show that sellers are finally adjusting to a more normal market after the pandemic-era price spikes.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Medical Office Investments Surge 122% in Q4</b> <a class="link" href="https://www.cbre.com/insights/figures/q4-2025-us-medical-outpatient-buildings-figures?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Investment in medical outpatient buildings hit $6.1 billion in the final quarter of 2025, more than doubling the volume from the previous three months.</p></li><li><p class="paragraph" style="text-align:left;">The massive jump was fueled by a $2 billion deal where Remedy Medical Properties bought a large chunk of Welltower&#39;s portfolio.</p></li><li><p class="paragraph" style="text-align:left;">This surge helped the sector reach $12.6 billion for the full year, marking its best performance since 2022.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">If you want to buy homes at 50% off, check out this newsletter → <a class="link" href="https://getoffkey.com?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow"><span style="text-decoration:underline;">Offkey</span></a></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#04aa1b;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Location Specific</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#04aa1b;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Zombie Homes Are Heavily Concentrated in the Midwest</b> <a class="link" href="https://www.attomdata.com/news/market-trends/foreclosures/q1-2026-vacancy-and-zombie-foreclosure-report/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">While the national average for &quot;zombie&quot; foreclosures is only about 3.27%, cities like Cleveland and St. Louis are seeing rates as high as 9.9%.</p></li><li><p class="paragraph" style="text-align:left;">These vacant, abandoned properties are a bigger problem in the Midwest and select Florida neighborhoods than in places like New York or Philadelphia.</p></li><li><p class="paragraph" style="text-align:left;">Properties owned by big institutional investors are actually more likely to be sitting empty than those owned by regular people.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://cadastral.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow"><b>Cadastral</b></a></p><p class="paragraph" style="text-align:left;">AI Agents for all Real Estate Use Cases</p><p class="paragraph" style="text-align:left;"><b>Microsoft Copilot for Real Estate</b> <a class="link" href="https://www.microsoft.com/en-us/microsoft-copilot/copilot-101/ai-for-real-estate?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">Microsoft is integrating generative AI directly into the productivity tools agents already use, effectively lowering the barrier to entry for advanced data analysis and automated client communications across the U.S. housing market.</p><p class="paragraph" style="text-align:left;"><b>Grotto AI: The Multifamily Leasing Platform That Uses AI to Coach Leasing Agents</b> <a class="link" href="https://www.alleywatch.com/2026/03/grotto-ai-multifamily-leasing-ai-real-estate-ai-coaching-leasing-agent-performance-training-platform-nick-deveau/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">By providing real-time performance feedback and automated coaching, Grotto AI is transforming U.S. multifamily leasing from a high-turnover administrative role into a data-driven sales powerhouse.</p><p class="paragraph" style="text-align:left;"><b>Zoning Data: How Proptechs Are Delivering Clarity From Complexity</b> <a class="link" href="https://www.attomdata.com/news/attom-insights/zoning-data-how-proptechs-are-delivering-clarity-from-complexity/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">AI-driven zoning analytics are dismantling the largest barrier to U.S. housing development by instantly identifying buildable sites and density potential across fragmented municipal codes.</p><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><ul><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.optiml.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Optiml</a>, a Swiss RE business Intelligence co, <a class="link" href="https://proptechconnect.com/optiml-closed-an-e8-million-seed-round-to-pioneer-real-estate-decision-intelligence/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised an €8M seed led by KOMPAS.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://cadastral.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Cadastral</a>, a CRE AI agent, <a class="link" href="https://www.axios.com/pro/fintech-deals/2026/02/05/ai-real-estate-investors-cadastral-10m?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $9.5M seed round.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.scyai.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">ScyAI</a>, a Swiss RE risk intelligence stack, <a class="link" href="https://www.eu-startups.com/2026/02/scyai-raises-e2-million-to-bring-ai-driven-risk-intelligence-to-enterprise-real-estate-and-insurance-teams/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a €2M pre-seed led by AEN.</a></p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Fix-and-flip market Trends in 2026</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>We Surveyed 150 Real Estate Professionals on AI Adoption. Here&#39;s What We Learned.</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Impact of Supreme Court’s Tariff Ruling on Industrial Real Estate</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Data Center Boom Concentrates Industrial Pipeline in Five Markets</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>5 trends that matter from International Builders’ Show (IBS) </b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Off Topic</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Ranked: The Jobs Most Exposed to Generative AI</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/e707fe84-0b63-412b-8ad3-5f3b13ebc1e5/image.png?t=1772765703"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>$1.5 million and it sits on top of the NY State Thruway</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/a548dacd-4c6c-4e4b-aac0-395c5737c129/image.png?t=1772765752"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/64-White-Ave-Nyack-NY-10960/32386349_zpid/?utm_campaign=iosappmessage&utm_medium=referral&utm_source=txtshare" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=metros-with-the-highest-price-cuts" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are 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      <item>
  <title>Zombie Foreclosures Rising, Tiny Homes Are Selling &#39;Rapidly&#39; in this state </title>
  <description>Mapped: Where Incomes Are Rising Fastest by State, A Tiny red house in Washington, DC and more</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/bc7e8bd9-bbf8-4066-97b8-25ad98ba9a5f/image.png" length="1385633" type="image/png"/>
  <link>https://www.zeroflux.io/p/zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state</guid>
  <pubDate>Wed, 04 Mar 2026 10:46:26 +0000</pubDate>
  <atom:published>2026-03-04T10:46:26Z</atom:published>
  <content:encoded><![CDATA[
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</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>A Quick Word From Our Sponsor</b></span></h4><p class="paragraph" style="text-align:left;"><span style="color:#ff6e80;"><b>—-</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><h3 class="heading" style="text-align:left;" id="smart-starts-here">Smart starts here.</h3><div class="image"><a class="image__link" href="https://l.join1440.com/bh?utm_source=beehiiv&utm_medium=cpc&utm_campaign={{publication_alphanumeric_id}}&utm_content=prospecting_smart_starts_here&_bhiiv=opp_f3bfa0b9-afff-45d5-a655-5efb0dce52eb_1b75ca79&bhcl_id=6407383e-20cf-484d-ba21-d45f5b4f3591_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/55745e59-1ef7-4ba3-ad7a-db4c042d2d0d/1440_January-Static-Image-ODY-38060_1x1_V2.png?t=1769711566"/></a></div><p class="paragraph" style="text-align:left;">You don&#39;t have to read everything — just the right thing. <a class="link" href="https://l.join1440.com/bh?utm_source=beehiiv&utm_medium=cpc&utm_campaign={{publication_alphanumeric_id}}&utm_content=prospecting_smart_starts_here&_bhiiv=opp_f3bfa0b9-afff-45d5-a655-5efb0dce52eb_1b75ca79&bhcl_id=6407383e-20cf-484d-ba21-d45f5b4f3591_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">1440&#39;s daily newsletter</a> distills the day&#39;s biggest stories from 100+ sources into one quick, 5-minute read. 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Join 4.5 million readers who start their day the smart way.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://l.join1440.com/bh?utm_source=beehiiv&utm_medium=cpc&utm_campaign={{publication_alphanumeric_id}}&utm_content=prospecting_smart_starts_here&_bhiiv=opp_f3bfa0b9-afff-45d5-a655-5efb0dce52eb_1b75ca79&bhcl_id=6407383e-20cf-484d-ba21-d45f5b4f3591_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Join for free today!</a></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.13%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.14%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.61%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.99% - 7.08%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.72%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.14%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.51%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.48%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.70%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.14%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.43%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.62% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.40%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.12%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.65%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.20%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.40%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.24%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.92%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.29% - 7.12%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.72%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.14%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.44%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Zombie Foreclosures Are Rising, These Midwest Metros Are Hardest Hit</b> <a class="link" href="https://www.realtor.com/news/trends/zombie-foreclosures-q1-2026-attom/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Cleveland leads the pack with a 9.9% zombie foreclosure rate, followed closely by Baltimore, St. Louis, Akron, and Indianapolis.</p></li><li><p class="paragraph" style="text-align:left;">These &quot;zombie&quot; properties are homes where the owners moved out and abandoned the house before the foreclosure process was actually finished.</p></li><li><p class="paragraph" style="text-align:left;">Experts say these vacancies are often caused by aging housing stock and lower demand, which can unfortunately drag down property values for the rest of the neighborhood.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Housing affordability isn’t just hurting buyers: More homeowners are falling behind on their mortgages</b> <a class="link" href="https://www.cnbc.com/2026/02/02/mortgage-delinquencies-housing-affordability.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Late-stage mortgage delinquencies jumped over 18% in December compared to the previous year as homeowners struggle with high costs.</p></li><li><p class="paragraph" style="text-align:left;">While total nonpayment levels are still much lower than they were during the 2010 financial crisis, they are currently rising faster than other consumer debts like credit cards or auto loans.</p></li><li><p class="paragraph" style="text-align:left;">Experts suggest the spike is driven by a mix of high mortgage rates and rising secondary costs like homeowners insurance and property taxes.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#04aa1b;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Location Specific</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#04aa1b;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tiny Homes Are Big in Texas and They&#39;re Selling &#39;Rapidly&#39;</b> <a class="link" href="https://www.realtor.com/news/trends/tiny-homes-san-antonio-texas-affordability/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Builders are downsizing floor plans to keep prices lower, with some Texas homes measuring just 350 square feet.</p></li><li><p class="paragraph" style="text-align:left;">These units are moving fast because they offer a way into homeownership for around $108,000, which is a fraction of the local median price.</p></li><li><p class="paragraph" style="text-align:left;">The main buyers are single people, students, and out-of-state investors looking for affordable rental properties.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://himaxwell.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow"><b>Maxwell</b></a></p><p class="paragraph" style="text-align:left;">In the mortgage space, Maxwell has built an AI-enabled “mortgage fulfillment-as-a-service” offering. This means lenders can outsource and automate underwriting, processing, and post-closing tasks.</p><p class="paragraph" style="text-align:left;"><b>AI adoption reaches 82% among real estate agents, RPR reports</b> <a class="link" href="https://www.housingwire.com/articles/ai-adoption-real-estate/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">A recent survey found that 82% of real estate pros are using AI tools, mostly to save time on writing and marketing tasks.</p></li><li><p class="paragraph" style="text-align:left;">While the tech is helping agents cut down their weekly workload, many are still worried about the accuracy of the information AI produces.</p></li><li><p class="paragraph" style="text-align:left;">Most users want better training to feel more confident using these tools in their daily business.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><ul><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.happyhotel.io/en?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">HappyHotel</a>, German revenue mgmt for hotels, raised a <a class="link" href="https://www.phocuswire.com/german-rms-happyhotel-series-a-round?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">€6.5M seed led by Reimann</a>.</p></li><li><p class="paragraph" style="text-align:left;"><span style="text-decoration:underline;"><a class="link" href="https://www.worldlabs.ai/about?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">WorldLabs</a></span>, frontier world models, <a class="link" href="https://techcrunch.com/2026/02/18/world-labs-lands-200m-from-autodesk-to-bring-world-models-into-3d-workflows?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised $1B led by Autodesk.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://sitegeist-robotics.com/de/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Sitegeist</a>, German construction robots, <a class="link" href="https://tech.eu/2026/02/16/sitegeist-secures-eur4m-pre-seed-for-ai-modular-robots-in-construction/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a €4M pre-seed led by b2ventures.</a></p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>North America Data Center Trends H2 2025</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Senior Living & Care Investor Survey and Trends Report</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Cap Rate Survey suggests new market cycle on the horizon</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Off Topic</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Mapped: Where Incomes Are Rising Fastest by State</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/bc7e8bd9-bbf8-4066-97b8-25ad98ba9a5f/image.png?t=1772430184"/></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tiny red house in Washington, DC</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/cf81b375-e030-44fa-860b-7e648375b8c1/image.png?t=1772430204"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/1222-28th-St-NW-Washington-DC-20007/428710_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=zombie-foreclosures-rising-tiny-homes-are-selling-rapidly-in-this-state" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" 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      <item>
  <title>CRE Fundraising on the Rise </title>
  <description>Charted: Life Expectancy in the World’s Largest Economies, Senior Care Bankruptcies and more</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/b9deb597-c776-4623-a2a6-eb954417855e/-span-style-display-block-width-100-text-align-center-margin-top-5px-b-style-color-585859-top-10-cities-to-watch-ahead-of-the-2026-rental-season-span-.png" length="258120" type="image/png"/>
  <link>https://www.zeroflux.io/p/cre-fundraising-on-the-rise</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/cre-fundraising-on-the-rise</guid>
  <pubDate>Fri, 27 Feb 2026 05:50:57 +0000</pubDate>
  <atom:published>2026-02-27T05:50:57Z</atom:published>
  <content:encoded><![CDATA[
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</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>A Quick Word From Our Sponsor</b></span></h4><p class="paragraph" style="text-align:left;"><span style="color:#ff6e80;"><b>—-</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><h3 class="heading" style="text-align:left;" id="become-an-ai-expert-in-just-5-minut">Become An AI Expert In Just 5 Minutes</h3><div class="image"><a class="image__link" href="https://subscribe.thedeepview.com/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&utm_medium=newsletter&_bhiiv=opp_ddda98a7-8d3a-4819-b834-b712a8cfbd1e_12ba3285&bhcl_id=3c756a48-9335-4730-bbdc-07dcde6f471b_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/92c7ce90-e2c8-4d1a-a474-b31fa3759647/Vintage_11.png?t=1757641001"/></a></div><p class="paragraph" style="text-align:left;">If you’re a decision maker at your company, you need to be on the bleeding edge of, well, everything. But before you go signing up for seminars, conferences, lunch ‘n learns, and all that jazz, just know there’s a far better (and simpler) way: <a class="link" href="https://subscribe.thedeepview.com/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&utm_medium=newsletter&_bhiiv=opp_ddda98a7-8d3a-4819-b834-b712a8cfbd1e_12ba3285&bhcl_id=3c756a48-9335-4730-bbdc-07dcde6f471b_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Subscribing to The Deep View.</a></p><p class="paragraph" style="text-align:left;">This daily newsletter condenses everything you need to know about the <a class="link" href="https://subscribe.thedeepview.com/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&utm_medium=newsletter&_bhiiv=opp_ddda98a7-8d3a-4819-b834-b712a8cfbd1e_12ba3285&bhcl_id=3c756a48-9335-4730-bbdc-07dcde6f471b_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">latest and greatest AI developments</a> into a 5-minute read. 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It’s totally free, wildly informative, and trusted by 600,000+ readers at Google, Meta, Microsoft, and beyond.</p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.00%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.17%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.78%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.99% - 7.08%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.61%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.14%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.63%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.48%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.64%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.18%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.49%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.62% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.27%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.10%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.82%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.20%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.38%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.32%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.27%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.29% - 7.12%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.65%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.19%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.50%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f78418;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Macro Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f78418;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>--</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><b>Dramatic Increase in the Number of Unicorns</b> <a class="link" href="https://www.apolloacademy.com/dramatic-increase-in-the-number-of-unicorns/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/bb4dd871-2a47-4078-a0e8-26c3a2c237c7/image.png?t=1771955979"/></div><ul><li><p class="paragraph" style="text-align:left;">The number of privately owned companies valued at over $1 billion has jumped from 114 to 857 over the last decade.</p></li><li><p class="paragraph" style="text-align:left;">This rapid growth means there is a much higher demand for private debt and equity hits to help these large private firms stay on track.</p></li></ul></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>CRE Fundraising on the Rise as Investors Return</b> <a class="link" href="https://www.commercialsearch.com/news/cre-fundraising-on-the-rise-as-investors-return/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Private real estate fundraising hit $222 billion in 2025, marking a 29 percent jump from the previous year.</p></li><li><p class="paragraph" style="text-align:left;">Data centers were the big winner, accounting for 37 percent of all capital raised as investor interest shifted away from multifamily and industrial sectors.</p></li><li><p class="paragraph" style="text-align:left;">While it is taking longer to close deals-about 25 months on average-over half of the funds actually met or exceeded their original financial targets.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>WalletHub says these are the best states for retirees in 2026</b> <a class="link" href="https://www.housingwire.com/articles/wallethub-best-states-for-retirees-2026/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Wyoming, Florida, and South Dakota are the top choices because they offer a mix of low taxes and affordable living costs.</p></li><li><p class="paragraph" style="text-align:left;">The rankings show that the best spots for seniors provide a solid balance between health care access and a high quality of life.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>The Lesson NYC Retailers Should Learn From Sak&#39;s Bankruptcy</b> <a class="link" href="https://www.globest.com/2026/01/26/the-lesson-nyc-retailers-should-learn-from-saks-bankruptcy/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Retailers must strictly balance their physical stores with a strong e-commerce presence to survive the shift in consumer spending.</p></li><li><p class="paragraph" style="text-align:left;">Even luxury brands need to avoid over-reliance on department store revenue and keep a close eye on debt tied to major acquisitions.</p></li><li><p class="paragraph" style="text-align:left;">Properly managing the integration of online sales and brick-and-mortar operations is the only way to stay afloat as the luxury market cools.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Senior Care Bankruptcies Rising Even as Healthcare Filings Decline</b> <a class="link" href="https://seniorhousingnews.com/2026/01/28/senior-care-bankruptcies-rising-even-as-healthcare-filings-decline/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Senior care bankruptcy filings jumped 18% last year while the broader healthcare sector saw a 21% drop in filings.</p></li><li><p class="paragraph" style="text-align:left;">Providers are struggling with a mix of Medicaid cuts, inflation, and a shift toward home-based care models.</p></li><li><p class="paragraph" style="text-align:left;">Mid-sized companies with up to $100 million in debt made up the bulk of the cases, including major names like Genesis Healthcare and Pacifica Senior Living.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#04aa1b;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Location Specific</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#04aa1b;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Nashville Industrial Demand Surges by 72%</b> <a class="link" href="https://www.cbre.com/insights/figures/nashville-industrial-figures-report-q4-2025?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Companies snapped up nearly 779,000 square feet of space in the fourth quarter, which actually outpaced the amount of new buildings finished during that time.</p></li><li><p class="paragraph" style="text-align:left;">Most of this growth is coming from new leases rather than renewals, with tenants specifically hunting for modern facilities built within the last decade.</p></li><li><p class="paragraph" style="text-align:left;">This high demand pushed rental rates to a record high of $10.30 per square foot and kept the local vacancy rate low at just 4.2 percent.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://www.figure.ai/company?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow"><b>Figure</b></a></p><p class="paragraph" style="text-align:left;">Figure is the first-of-its-kind AI robotics company bringing a general purpose humanoid to life.</p><p class="paragraph" style="text-align:left;"><b>Smart Bricks Lands $5M Pre-Seed Led by a16z for AI Proptech</b> <a class="link" href="https://www.techbuzz.ai/articles/smart-bricks-lands-5m-pre-seed-led-by-a16z-for-ai-proptech?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">This significant early-stage investment signals a shift in U.S. real estate toward &quot;autonomous Proptech&quot; where AI agents handle the complex, back-office financial workflows that previously required manual oversight.</p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p></div><ul><li><p class="paragraph" style="text-align:left;"><span style="text-decoration:underline;"><a class="link" href="https://fyld.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">FYLD</a></span>, a British site risk assessment co, <a class="link" href="https://siliconangle.com/2026/02/17/ai-field-operations-startup-fyld-raises-41m-help-build-large-scale-infrastructure?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $41M B round led by EIP LP</a>.</p></li><li><p class="paragraph" style="text-align:left;"><span style="text-decoration:underline;"><a class="link" href="https://www.optiml.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Optiml</a></span>, a Swiss RE business Intelligence co, <a class="link" href="https://proptechconnect.com/optiml-closed-an-e8-million-seed-round-to-pioneer-real-estate-decision-intelligence/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised an €8M seed led by KOMPAS.</a></p></li></ul><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Blackstone REIT Closes $7B in Investments, With these two asset classes at Focus</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Yardi Matrix Self Storage Forecast Update Reflects Pipeline Growth in 2025</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>2026 Rental Hotlist of 30 Most in Demand Cities</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Only Six Apartment Metros Still Favor Landlords</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Best Mountain Towns Where Homes Deliver the Strongest Airbnb Returns</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 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style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>A tall skinny tudor,</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/12d1f7de-0cac-4359-9f94-724d31d7b652/image.png?t=1771957539"/></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/5033-35th-Ave-SW-Seattle-WA-98126/48844939_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=cre-fundraising-on-the-rise" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are finding value, please 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      <item>
  <title>How Big Is America&#39;s Housing Shortage? </title>
  <description>Ranked: The Richest Americans in History, And A house without faults!</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/f3df3673-fbbd-4c54-936e-7de7ef56e6d8/typical-austin-tx-home-takes-106-days-to-sell.png" length="165437" type="image/png"/>
  <link>https://www.zeroflux.io/p/how-big-is-america-s-housing-shortage</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/how-big-is-america-s-housing-shortage</guid>
  <pubDate>Mon, 23 Feb 2026 11:31:00 +0000</pubDate>
  <atom:published>2026-02-23T11:31:00Z</atom:published>
  <content:encoded><![CDATA[
    <div class='beehiiv'><style>
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</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.04%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.12%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.92%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01% - 7.08%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.60%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.15%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.88%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.48%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.63%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.22%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.69%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.62% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.28%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.30%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.38%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.33%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.74%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.35% - 7.12%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.65%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.22%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.70%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>How Big Is America&#39;s Housing Shortage? No One Agrees</b> <a class="link" href="https://www.washingtonpost.com/business/2026/02/04/us-housing-shortage-millions/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Estimates for the national housing gap vary wildly between 3 million and 20 million units because experts can&#39;t agree on how to define a &quot;household&quot; or what a healthy vacancy rate looks like.</p></li><li><p class="paragraph" style="text-align:left;">While Zillow and Brookings see a shortage of roughly 4.7 to 4.9 million homes, House Republicans claim the deficit is as high as 20.1 million units.</p></li><li><p class="paragraph" style="text-align:left;">The confusion is made worse by a glut of high-end homes that stay empty because they are unaffordable, leaving it unclear if those units actually help solve the shortage.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>The Youngest Metro in the U.S. Revealed: Where the Median Age of Buyers Is 27 and Birth Rates Are High</b> <a class="link" href="https://www.realtor.com/news/trends/provo-utah-homebuyer-age-27-nar-report/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">The Provo-Orem area in Utah has the youngest homebuyers in the country, with a median buyer age of just 27.</p></li><li><p class="paragraph" style="text-align:left;">High birth rates and a large population of young professionals drive demand here, even though median home prices have climbed toward the $500,000 range.</p></li><li><p class="paragraph" style="text-align:left;">Local government and lenders are supporting these young buyers through specialized down payment assistance and incentives of up to $20,000 for first-time owners.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Investors Plan to Buy More CRE in 2026</b> <a class="link" href="https://www.commercialsearch.com/news/investors-plan-to-buy-more-cre-in-2026/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/602164aa-d2c0-4428-8224-dbe168d9b5b5/image.png?t=1771580178"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">About 74 percent of investors surveyed by CBRE say they plan to purchase more commercial property this year than they did in 2025.</p></li><li><p class="paragraph" style="text-align:left;">Most of these buyers are focusing on multifamily and industrial buildings, though interest in retail and office spaces is slowly starting to pick up.</p></li><li><p class="paragraph" style="text-align:left;">Investors are feeling more confident because of expected interest rate cuts and a smaller pipeline of new buildings, which helps keep property values steady.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Shopping Centers Poised for Record Pricing in 2026</b> <a class="link" href="https://www.globest.com/2026/01/22/shopping-centers-poised-for-record-pricing-in-2026/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Low inventory and $4.5 billion in new investment capital are driving prices to a record average of $142 per square foot.</p></li><li><p class="paragraph" style="text-align:left;">Property values are rising because many centers have older leases that can be raised by 20% to 40% to match current market rates.</p></li><li><p class="paragraph" style="text-align:left;">While sales are up 35% since 2019, the market is vulnerable because small &quot;mom-and-pop&quot; tenants make up nearly 40% of the occupancy.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#04aa1b;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Location Specific</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#04aa1b;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Austin, Once a Boomtown, Is Now the Slowest Major Housing Market</b> <a class="link" href="https://www.redfin.com/news/austin-texas-slowest-housing-market/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/f3df3673-fbbd-4c54-936e-7de7ef56e6d8/typical-austin-tx-home-takes-106-days-to-sell.png?t=1771580324"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Austin is now the slowest among the 50 largest U.S. metros, with the average home sitting on the market for 106 days.</p></li><li><p class="paragraph" style="text-align:left;">A huge gap between supply and demand is driving this, as the city has 128% more sellers than buyers.</p></li><li><p class="paragraph" style="text-align:left;">High mortgage rates and more inventory have cooled things down so much that median prices dropped about 4.2% over the last year.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://brokerspot.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow"><b>BrokerSpot</b></a></p><p class="paragraph" style="text-align:left;">BrokerSpot is an AI-powered real estate lead generation tool for agents. It provides high-quality leads, a user-friendly dashboard for deal management, customizable landing pages, and seamless CRM integration to enhance sales and business expansion.</p><p class="paragraph" style="text-align:left;"><b>CoStar Rolls Out Homes.ai; SkySlope Launches Agent Coaching App</b> <a class="link" href="https://www.realestatenews.com/2026/02/17/costar-rolls-out-homes-ai-skyslope-launches-agent-coaching-app?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">Major industry players are doubling down on vertically integrated AI, moving beyond simple search to provide real-time coaching and predictive analytics directly within the agent&#39;s workflow.</p><p class="paragraph" style="text-align:left;"><b>How AI is Transforming Real Estate Pricing and Housing Market Forecasts</b> <a class="link" href="https://aijourn.com/how-ai-is-transforming-real-estate-pricing-and-housing-market-forecasts/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">AI is fundamentally altering U.S. market dynamics by replacing lagging historical data with real-time sentiment and economic indicators to produce hyper-accurate pricing models.</p><p class="paragraph" style="text-align:left;"><b>Revolutionizing Real Estate: How AI and Big Data are Shaping the Future of Property Markets</b> <a class="link" href="https://www.filmogaz.com/148803?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">The integration of big data and machine learning is creating a more transparent U.S. real estate landscape where investment risks are mitigated through highly granular property-level intelligence.</p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Proptech that just got funded</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#e02df5;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><ul><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.scyai.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">ScyAI</a>, a Swiss RE risk intelligence stack, <a class="link" href="https://www.eu-startups.com/2026/02/scyai-raises-e2-million-to-bring-ai-driven-risk-intelligence-to-enterprise-real-estate-and-insurance-teams/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a €2M pre-seed led by AEN.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.maestrotech.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Maestro</a>, a mortgage origination stack, <a class="link" href="https://www.finsmes.com/2026/02/maestro-ai-raises-1-2m-in-pre-seed-funding.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $1.2M pre-seed led by New Stack</a>.</p></li></ul><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Yardi Matrix Updates U.S. Multifamily Rent, Supply and Completions Data</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>6 Trends Reshaping U.S. Property Insurance</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Six Takeaways from the NMHC Annual Meeting</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>MOBs Post Top Risk-Adjusted Returns, Low Volatility in New Study</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>What home buyers really want in 2026: New Trends</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p 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class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Off Topic</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Ranked: The Richest Americans in History</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/1de79834-0440-4be5-adbe-131e39421e6c/image.png?t=1771580668"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Dare you to find a fault!</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/4b3cdffd-40c8-4831-b8b6-9a08a60cef8d/image.png?t=1771580943"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/1021-Marietta-Ave-Lancaster-PA-17603/9744349_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=how-big-is-america-s-housing-shortage" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are 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</item>

      <item>
  <title>The State Capitals Ranked as the Best Places To Live</title>
  <description>Mapped: Global Inflation Forecasts by Country in 2026 and more!</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/313d5572-2a4d-47d6-87da-206e4e5b565e/image.png" length="1826330" type="image/png"/>
  <link>https://www.zeroflux.io/p/the-state-capitals-ranked-as-the-best-places-to-live</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/the-state-capitals-ranked-as-the-best-places-to-live</guid>
  <pubDate>Wed, 18 Feb 2026 11:31:20 +0000</pubDate>
  <atom:published>2026-02-18T11:31:20Z</atom:published>
  <content:encoded><![CDATA[
    <div class='beehiiv'><style>
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</style><div class='beehiiv__body'><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>A Quick Word From Our Sponsor</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#ff6e80;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div class="section" style="background-color:#ffffff;border-radius:2px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><h3 class="heading" style="text-align:left;" id="money-management-making-you-mad">Money Management Making You Mad?</h3><div class="image"><a class="image__link" href="https://livecounterflow.com/pages/find-your-flow-2026/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&_bhiiv=opp_53c68cf0-db8a-4e72-b2d1-1268d0dbaf26_077fcc72&bhcl_id=e10d80d6-f3dd-4f4e-9567-1e6b0170487c_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/24f036eb-0fd5-411f-99cf-ddc4e5b8986d/Version_A.jpg?t=1768935568"/></a></div><p class="paragraph" style="text-align:left;">Most business owners hit revenue goals and still feel cash-strapped.</p><p class="paragraph" style="text-align:left;">Not because they&#39;re not making money. But because their money flow is broken, their decisions feel urgent instead of strategic, and their systems feel fragile instead of solid.</p><p class="paragraph" style="text-align:left;">The <a class="link" href="https://livecounterflow.com/pages/find-your-flow-2026/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&_bhiiv=opp_53c68cf0-db8a-4e72-b2d1-1268d0dbaf26_077fcc72&bhcl_id=e10d80d6-f3dd-4f4e-9567-1e6b0170487c_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Find Your Flow Assessment</a> pinpoints exactly where friction shows up between your business and personal finances. </p><p class="paragraph" style="text-align:left;">5 minutes with the Assessment gets you clarity on:</p><ul><li><p class="paragraph" style="text-align:left;">where cash leaks</p></li><li><p class="paragraph" style="text-align:left;">what slows progress,</p></li><li><p class="paragraph" style="text-align:left;">whether your current setup actually serves you</p></li></ul><p class="paragraph" style="text-align:left;">No spreadsheets, or pitch. Just actionable insight into what&#39;s not working and why.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://livecounterflow.com/pages/find-your-flow-2026/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&_bhiiv=opp_53c68cf0-db8a-4e72-b2d1-1268d0dbaf26_077fcc72&bhcl_id=e10d80d6-f3dd-4f4e-9567-1e6b0170487c_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Take the Assessment</a></p><p class="paragraph" style="text-align:left;"><sub>Educational only. Not investment or tax advice.</sub></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Latest Rates</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#0c94ff;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.04%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01% - 7.08%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.61%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.87%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.48%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.62%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.13%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.13%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.83%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.62% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.27%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.12%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.39%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.37%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.19%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.31%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.58%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.37% - 7.12%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.64%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.13%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.13%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.83%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Real Estate Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f224a8;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>The State Capitals Ranked as the Best Places To Live</b> <a class="link" href="https://www.realtor.com/news/trends/best-state-capitals-to-live-2026/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Austin, TX, takes the top spot because it balances high housing costs with strong local earning power and top-tier public schools.</p></li><li><p class="paragraph" style="text-align:left;">Raleigh, NC, and Atlanta follow in the rankings due to high median household incomes and robust job markets driven by major corporate headquarters.</p></li><li><p class="paragraph" style="text-align:left;">The rankings evaluated 50 capitals based on 48 metrics, including affordability, economic stability, and quality of life, with Bismarck, ND, notably ranking as the most affordable.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Distressed Office Investment Volume at 10-Year High</b> <a class="link" href="https://knowledge-leader.colliers.com/marianne-skorupski/quick-hits-distressed-office-investment-volume-at-10-year-high/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/8f69cad3-5158-4019-9bcd-02c60c51a6cc/image.png?t=1771346531"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Investors spent over $4.3 billion on distressed office buildings in 2025, which is the highest amount seen in the last decade.</p></li><li><p class="paragraph" style="text-align:left;">Private buyers were the most active players, making up more than half of these purchases as they looked for discounted properties to fix up or convert.</p></li><li><p class="paragraph" style="text-align:left;">A total of 168 properties traded hands last year, with a significant chunk of that money flowing into the New York City metro area.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Single-Family Rentals Surge as BTR Drives Sector Recovery</b> <a class="link" href="https://arbor.com/research/reports/single-family-rental-investment-trends-report-q4-2025/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">The single-family rental market grew to 14.6 million households in 2025, marking a 1.7% increase and a seven-year high for the industry.</p></li><li><p class="paragraph" style="text-align:left;">Most of this growth is coming from build-to-rent projects, with attached rental homes making up 91% of the sector&#39;s total expansion last year.</p></li><li><p class="paragraph" style="text-align:left;">Families are turning to these rentals because of high home prices and a desire for newer, amenity-rich communities that traditional landlords don&#39;t always provide.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Where Manhattan’s Second-Home Buyers Are Heading Now</b> <a class="link" href="https://www.realtor.com/news/trends/litchfield-county-connecticut-second-home-buyers-manhattan/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">New Yorkers are heading to Litchfield County, CT, because it offers a quieter, less commercial atmosphere compared to the crowded and expensive Hamptons.</p></li><li><p class="paragraph" style="text-align:left;">The area is much more affordable, with a median listing price of $650,000 and lower property taxes than nearby New York towns.</p></li><li><p class="paragraph" style="text-align:left;">Buyers are drawn to the open space, historic architecture, and freshwater beaches, all within a two-hour commute of the city.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>AI & Real Estate - Today’s Trends</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f57f38;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://www.zipsmart.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow"><b>ZipSmart </b></a></p><p class="paragraph" style="text-align:left;">ZipSmart is an AI-powered real estate tool utilizing Mapbox and OpenStreetMap for enhanced, filterable mapping. It provides market forecasts, categorizes markets, offers buy/sell signals based on location and conditions, and allows customizable search parameters for informed decisions.</p><p class="paragraph" style="text-align:left;"><b>7 AI Tools That Help Agents Do in Hours What Used to Take Days</b> <a class="link" href="https://www.inman.com/2026/02/15/7-ai-tools-that-help-agents-do-in-hours-what-used-to-take-days/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">By consolidating fragmented tasks like video editing, listing descriptions, and lead nurturing into automated workflows, these tools are effectively lowering the barrier to entry for high-volume production in the U.S. residential market.</p><p class="paragraph" style="text-align:left;"><b>Redfin Extends its AI-Powered Home Search Experience</b> <a class="link" href="https://www.housingwire.com/articles/redfin-chatgpt-home-search/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">This integration transforms the U.S. home-buying journey into a conversational experience, allowing users to find properties based on hyper-specific lifestyle queries rather than just rigid filters.</p><p class="paragraph" style="text-align:left;"><b>Cadastral Raises $9.5 Million to Build the AI Platform for Commercial Real Estate</b> <a class="link" href="https://www.citybiz.co/article/803249/cadastral-raises-9-5-million-to-build-the-ai-platform-for-commercial-real-estate/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">This capital infusion signals a growing investor appetite for AI that can solve the &quot;messy data&quot; problem in U.S. commercial real estate, specifically by automating complex underwriting and site selection processes.</p><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><ul><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://safqah.co/en?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Safqah</a>, a Saudi mortgage tech, <a class="link" href="https://www.finsmes.com/2026/02/safqah-capital-raises-15-2m-in-seed-funding.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $15.2M seed round led by Shorooq.</a></p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.daleel.io/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Daleel</a>, an Emirati RE due diligence stack, <a class="link" href="https://www.startupresearcher.com/news/daleel-raises-3-million-pre-seed-for-its-ai-real-estate-platform?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $3M pre-seed round</a>.</p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://Dono.AI?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow">Dono.AI</a><a class="link" href="https://www.dono.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)"> Inc</a>, a property records platform, <a class="link" href="https://siliconangle.com/2026/02/10/dono-raises-6-5m-seed-round-modernize-property-records-ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $6.5M seed round led by Link.</a></p></li></ul><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>The Housing Markets Seeing the Sharpest Home Price Declines</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Institutional Interest Spikes for This Asset Class</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Investors See This Asset Class As The Next Big Bet</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>U.S. Cap Rate Trends</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" 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style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Off Topic</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#245cfa;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>Mapped: Global Inflation Forecasts by Country in 2026</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/313d5572-2a4d-47d6-87da-206e4e5b565e/image.png?t=1771347230"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><div class="section" style="background-color:#F7EFE3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>Unreal Real Estate</b></span></h3><p class="paragraph" style="text-align:left;"><span style="color:#f30af1;font-family:Space Mono,Courier,'Lucida Console',Monaco,monospace;"><b>—-</b></span></p></div><p class="paragraph" style="text-align:left;"><b>They had me at the staircase!</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/91f72d16-67e3-42e1-8012-740ad87c3041/image.png?t=1771347253"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/1070-Route-9d-Garrison-NY-10524/31923451_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=the-state-capitals-ranked-as-the-best-places-to-live" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are 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  <title>Where New-Construction Grew the Most in 2025 </title>
  <description>Safest States in America, a Unique restored 1820 Antique Farmhouse and more</description>
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  <link>https://www.zeroflux.io/p/where-new-construction-grew-the-most-in-2025</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/where-new-construction-grew-the-most-in-2025</guid>
  <pubDate>Mon, 16 Feb 2026 05:18:29 +0000</pubDate>
  <atom:published>2026-02-16T05:18:29Z</atom:published>
  <content:encoded><![CDATA[
    <div class='beehiiv'><style>
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</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>A quick word from our sponsor</b></h4></div><h3 class="heading" style="text-align:left;" id="money-management-making-you-mad">Money Management Making You Mad?</h3><div class="image"><a class="image__link" href="https://livecounterflow.com/pages/find-your-flow-2026/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&_bhiiv=opp_442f97c0-a315-4774-80bb-d8f9811324cf_077fcc72&bhcl_id=04db3f3a-e949-49be-bc7b-65bac2de8a9e_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/24f036eb-0fd5-411f-99cf-ddc4e5b8986d/Version_A.jpg?t=1768935568"/></a></div><p class="paragraph" style="text-align:left;">Most business owners hit revenue goals and still feel cash-strapped.</p><p class="paragraph" style="text-align:left;">Not because they&#39;re not making money. But because their money flow is broken, their decisions feel urgent instead of strategic, and their systems feel fragile instead of solid.</p><p class="paragraph" style="text-align:left;">The <a class="link" href="https://livecounterflow.com/pages/find-your-flow-2026/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&_bhiiv=opp_442f97c0-a315-4774-80bb-d8f9811324cf_077fcc72&bhcl_id=04db3f3a-e949-49be-bc7b-65bac2de8a9e_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Find Your Flow Assessment</a> pinpoints exactly where friction shows up between your business and personal finances. </p><p class="paragraph" style="text-align:left;">5 minutes with the Assessment gets you clarity on:</p><ul><li><p class="paragraph" style="text-align:left;">where cash leaks</p></li><li><p class="paragraph" style="text-align:left;">what slows progress,</p></li><li><p class="paragraph" style="text-align:left;">whether your current setup actually serves you</p></li></ul><p class="paragraph" style="text-align:left;">No spreadsheets, or pitch. Just actionable insight into what&#39;s not working and why.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://livecounterflow.com/pages/find-your-flow-2026/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&_bhiiv=opp_442f97c0-a315-4774-80bb-d8f9811324cf_077fcc72&bhcl_id=04db3f3a-e949-49be-bc7b-65bac2de8a9e_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Take the Assessment</a></p><p class="paragraph" style="text-align:left;"><sub>Educational only. Not investment or tax advice.</sub></p><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Latest Rates</b></h4></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.04%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01% - 7.08%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.61%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.87%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.48%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.62%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.13%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.13%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.83%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.62% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.27%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.12%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.39%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.37%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.19%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.31%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.58%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.37% - 7.12%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.64%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.13%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.13%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.83%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.64% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Real Estate Trends</b></h4></div><p class="paragraph" style="text-align:left;"><b>Where New-Construction Home Sales Grew the Most in 2025</b> <a class="link" href="https://www.realtor.com/news/trends/new-home-sales-data-county-2025/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/3da97686-5492-4b2c-a36f-42174939f1da/image.png?t=1770732799"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Wilson County, Tennessee, and Maricopa County, Arizona, tied for the top spot with a 44% surge in new-home sales.</p></li><li><p class="paragraph" style="text-align:left;">The South and West dominated the growth rankings because these areas generally have more flexible zoning laws that allow builders to create more affordable inventory.</p></li><li><p class="paragraph" style="text-align:left;">Will County, Illinois, was the only Midwestern spot in the top 10, showing a 24% increase in sales while the average size of those homes actually dropped by 23%.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along → <span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Institutional Investors Are Taking Up The Biggest Share in These 5 Metros</b> <a class="link" href="https://www.realtor.com/news/trends/the-5-metros-where-institutional-investors-buy-the-most-homes/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">The five southern metros where investors bought the largest share of homes in 2025 are Memphis, Huntsville, Fayetteville, Birmingham, and Dallas.</p></li><li><p class="paragraph" style="text-align:left;">Memphis topped the list with institutional investors accounting for 14.8% of all home sales during the year.</p></li><li><p class="paragraph" style="text-align:left;">These areas are popular with big investors because they combine relatively low purchase prices with high rental demand and steady job growth.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>How Incomes Have Changed in Every State Over the Last 50 Years</b> <a class="link" href="https://www.urban.org/sites/default/files/2026-01/Is_Your_State_Better_Off_Now_Than_It_Was_Fifty_Years_Ago.pdf?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/2d2026f7-d9a3-44f6-8cb3-5cc7df303d81/image.png?t=1770745600"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Utah saw the highest income growth at nearly 78%, while West Virginia was the only state where median household income actually dropped since 1970.</p></li><li><p class="paragraph" style="text-align:left;">High levels of education and a large share of immigrants were the biggest factors tied to rising incomes across the country.</p></li><li><p class="paragraph" style="text-align:left;">Even though some states saw huge pay bumps, those gains were often swallowed up by rising home prices, making housing less affordable than in states with slower income growth.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></h4></div><ul><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.linkedin.com/company/materialspaceai?trk=public_profile_topcard-current-company&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">MaterialSpace</a>, construction planning tech, <a class="link" href="https://www.calcalistech.com/ctechnews/article/by9nzxuuwg?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a $7M seed led by StageOne.</a></p></li><li><p class="paragraph" style="text-align:left;"><span style="text-decoration:underline;"><a class="link" href="https://gocanopy.tech/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">GoCanopy</a></span>, an OS for RE investors stack, <a class="link" href="https://proptechconnect.com/gocanopy-raises-e21m-seed-funding-to-build-the-ai-operating-system-for-institutional-real-estate-investors/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised a €2.1M seed round led by ISAI</a>.</p></li><li><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.propertyfinder.ae/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">Property Finder,</a> an Emirati STR marketplace, <a class="link" href="https://www.wamda.com/2026/01/property-finder-secures-170-million-investment-led-mubadala?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(92, 115, 255)">raised $170M led by Mubadala.</a></p></li></ul><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Location Specific</b></h4></div><p class="paragraph" style="text-align:left;"><b>Charlotte Led the Nation for Job Gains in 2025</b> <a class="link" href="https://www.realpage.com/analytics/december-2025-metro-employment-update/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/aeac8439-c8c4-48fe-ac32-4f3ba925a46c/image.png?t=1770732870"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Charlotte took the top spot by adding 37,600 new jobs in 2025, which was over 20,000 more than they saw the previous year.</p></li><li><p class="paragraph" style="text-align:left;">While Charlotte grew, the national trend showed a sharp slowdown, with major hubs like New York and Houston seeing significantly smaller gains than they did in 2024.</p></li><li><p class="paragraph" style="text-align:left;">Nearly a third of the top 150 markets actually reported annual job losses, including big names like Los Angeles, Seattle, and Washington, DC.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>AI & Real Estate - Today’s Trends</b></h4></div><p class="paragraph" style="text-align:left;"><b>Tool of the day:</b><a class="link" href="https://www.aibob.io/?utm_source=substack&utm_medium=email" target="_blank" rel="noopener noreferrer nofollow"><b> AI-BOB</b></a></p><p class="paragraph" style="text-align:left;">An AI-driven platform that integrates with architectural software to provide real-time compliance checks, reducing construction errors and delays.</p><p class="paragraph" style="text-align:left;"><b>Lofty and Breezy Unveil AI Operating Systems</b> <a class="link" href="https://www.realestatenews.com/2026/02/03/lofty-breezy-unveil-ai-operating-systems?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">The launch of these dedicated AI operating systems signals a shift from fragmented tools toward centralized platforms that manage the entire U.S. real estate lifecycle through autonomous workflows.</p><p class="paragraph" style="text-align:left;"><b>Agentsy raises $700,000 pre-seed to build &#39;AI agents&#39; for real estate</b> <a class="link" href="https://www.smartcompany.com.au/exclusive/agentsy-700000-pre-seed-startup-raise-real-estate-ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">This fresh injection of capital highlights the growing investor appetite for &quot;autonomous agents&quot; capable of handling complex administrative tasks that previously required human oversight.</p><p class="paragraph" style="text-align:left;"><b>Zumper Launches First Rental Search App in ChatGPT Store</b> <a class="link" href="https://www.zumper.com/blog/zumper-launches-app-in-chatgpt/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">By integrating directly into ChatGPT, Zumper is pioneering a conversational search model that could fundamentally replace traditional filter-based property browsing for U.S. renters.</p><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>One Chart</b></h4></div><p class="paragraph" style="text-align:left;"><b>Mapped: Metros Where Homebuying Deals Are Falling Apart </b><a class="link" href="https://www.realtor.com/news/trends/home-buyer-purchase-agreement-cancel/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow"><b>link</b></a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/ca1a4575-a39b-4852-80ce-797c255f9d15/image.png?t=1770732649"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Healthcare Real Estate M&A Trends to Watch in 2026</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Multifamily Investors Say It&#39;s Go Time</b> <b>And This is Why</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a 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style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Unreal Real Estate</b></h4></div><p class="paragraph" style="text-align:left;"><b>Unique restored 1820 Antique Farmhouse</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/3d0103d1-c881-45ae-8657-d66fb1e05577/image.png?t=1770732982"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/403-Maple-St-Hopkinton-NH-03229/86771487_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p 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If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-new-construction-grew-the-most-in-2025" target="_blank" rel="noopener noreferrer 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Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro 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      <item>
  <title>Best Markets for First-Time Homebuyers</title>
  <description>Countries that Earn the Most from Tourism, A Forest Home, and more!</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/7ba3d7f4-f611-4c66-b71f-9d8cdc97c7ef/image.png" length="337336" type="image/png"/>
  <link>https://www.zeroflux.io/p/best-markets-for-first-time-homebuyers</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/best-markets-for-first-time-homebuyers</guid>
  <pubDate>Mon, 09 Feb 2026 11:31:22 +0000</pubDate>
  <atom:published>2026-02-09T11:31:22Z</atom:published>
  <content:encoded><![CDATA[
    <div class='beehiiv'><style>
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</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>A quick word from our sponsor</b></h4></div><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;" id="money-management-making-you-mad">Money Management Making You Mad?</h3><div class="image"><a class="image__link" href="https://livecounterflow.com/pages/find-your-flow-2026/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&_bhiiv=opp_53892876-94f8-4065-81e4-97b66d7255b4_077fcc72&bhcl_id=030252bf-0548-48f9-9b31-4866a020ac48_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/24f036eb-0fd5-411f-99cf-ddc4e5b8986d/Version_A.jpg?t=1768935568"/></a></div><p class="paragraph" style="text-align:left;">Most business owners hit revenue goals and still feel cash-strapped.</p><p class="paragraph" style="text-align:left;">Not because they&#39;re not making money. But because their money flow is broken, their decisions feel urgent instead of strategic, and their systems feel fragile instead of solid.</p><p class="paragraph" style="text-align:left;">The <a class="link" href="https://livecounterflow.com/pages/find-your-flow-2026/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&_bhiiv=opp_53892876-94f8-4065-81e4-97b66d7255b4_077fcc72&bhcl_id=030252bf-0548-48f9-9b31-4866a020ac48_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Find Your Flow Assessment</a> pinpoints exactly where friction shows up between your business and personal finances. </p><p class="paragraph" style="text-align:left;">5 minutes with the Assessment gets you clarity on:</p><ul><li><p class="paragraph" style="text-align:left;">where cash leaks</p></li><li><p class="paragraph" style="text-align:left;">what slows progress,</p></li><li><p class="paragraph" style="text-align:left;">whether your current setup actually serves you</p></li></ul><p class="paragraph" style="text-align:left;">No spreadsheets, or pitch. Just actionable insight into what&#39;s not working and why.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://livecounterflow.com/pages/find-your-flow-2026/?utm_campaign={{publication_alphanumeric_id}}&utm_source=beehiiv&_bhiiv=opp_53892876-94f8-4065-81e4-97b66d7255b4_077fcc72&bhcl_id=030252bf-0548-48f9-9b31-4866a020ac48_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Take the Assessment</a></p><p class="paragraph" style="text-align:left;"><sub>Educational only. Not investment or tax advice.</sub></p></div><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Latest Rates</b></h4></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.15%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.85%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01% - 7.13%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.72%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.78%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.50%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.75%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.10%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.06%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.79%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.69% - 6.54%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.33%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.12%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.45%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.56%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.18%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.19%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.56% - 7.25%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.77%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.09%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.63%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.70% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=best-markets-for-first-time-homebuyers" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Real Estate Trends</b></h4></div><p class="paragraph" style="text-align:left;"><b>Best Markets for First-Time Homebuyers in 2026</b> <a class="link" href="https://www.realtor.com/research/first-time-homebuyer-markets-2026?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=best-markets-for-first-time-homebuyers" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/7ba3d7f4-f611-4c66-b71f-9d8cdc97c7ef/image.png?t=1770571823"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Rochester, New York, tops the list for 2026 due to its mix of budget-friendly home prices and short commute times.</p></li><li><p class="paragraph" style="text-align:left;">These top markets were chosen because they balance housing affordability and availability with strong local amenities like shops and restaurants.</p></li><li><p class="paragraph" style="text-align:left;">Most of the best spots for new buyers are located in the eastern half of the country, with Granite City, Illinois, offering the lowest median home price at $119,000.</p></li></ul><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Supersizing Real Estate Investing with Catch-Up Contributions</b> <a class="link" href="https://realestateinvestingtoday.com/supersizing-real-estate-investing-with-catch-up-contributions/?utm_source=feedly&utm_medium=rss&utm_campaign=supersizing-real-estate-investing-with-catch-up-contributions" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Investors aged 50 and older can contribute an extra $1,000 annually to their IRAs, while those aged 60 to 63 can contribute up to $10,000 starting in 2025 under the SECURE 2.0 Act.</p></li><li><p class="paragraph" style="text-align:left;">Using a Self-Directed IRA allows these additional funds to be invested directly into real estate assets like rental properties, private loans, and syndications.</p></li><li><p class="paragraph" style="text-align:left;">For a 55-year-old investor, contributing catch-up amounts over ten years can result in an estimated $16,000 increase in account value compared to standard contributions alone.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> Most people see catch-up rules as a way to fix a late start, but for real estate pros, it is actually about liquidity. This extra cash flow into a self-directed account can cover the &quot;boring&quot; costs like roof repairs or legal fees that often stall a deal, effectively turning tax-advantaged savings into a private reserve for property maintenance or small-scale lending.</p><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along ↓<br><br><span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=best-markets-for-first-time-homebuyers" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Market Trends from Cushman & Wakefield</b> <a class="link" href="https://comms.cushwakedigital.com/rv/ff00fead2875d28ce1598f804744aa0209c30ad0?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=best-markets-for-first-time-homebuyers" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="border-radius:0px 0px 0px 0px;border-style:solid;border-width:0px 0px 0px 0px;box-sizing:border-box;border-color:#E5E7EB;" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/23bcfad2-179e-41cc-91db-8d1c8a296c95/image.png?t=1770312234"/></div><ul><li><p class="paragraph" style="text-align:left;">Commercial real estate lending volume increased 39% year-over-year through Q3 2025, driven by a surge in refinancing across all major property types.</p></li><li><p class="paragraph" style="text-align:left;">The nation’s 10 largest retailers, including Amazon and Walmart, increased distribution center acquisitions by 38% over the previous 2021 peak.</p></li><li><p class="paragraph" style="text-align:left;">Industrial vacancy rates have stabilized at 7.1%, with large-format warehouses over 1 million square feet seeing four consecutive quarters of falling vacancy.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> The biggest players in retail aren&#39;t just leasing space anymore; they are buying the dirt to lock in their logistics costs before the market tightens. This shift shows that while small tenants might be nervous about the economy, the giants are betting on a massive, long-term expansion of the American supply chain.</p><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Location Specific</b></h4></div><p class="paragraph" style="text-align:left;"><b>California Metros Where Homebuyers Have To Fork Out Biggest Share of Income To Afford a Mortgage</b> <a class="link" href="https://www.realtor.com/news/trends/california-metros-homeowners-income-mortgage-payments/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=best-markets-for-first-time-homebuyers" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="border-radius:0px 0px 0px 0px;border-style:solid;border-width:0px 0px 0px 0px;box-sizing:border-box;border-color:#E5E7EB;" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/e12b1aab-f639-4359-9af7-f2d13009dcd9/image.png?t=1770312338"/></div><ul><li><p class="paragraph" style="text-align:left;">Californians now need to spend an average of 48.8% of their income to afford a median-priced home of $697,000.</p></li><li><p class="paragraph" style="text-align:left;">In Los Angeles, the burden is most severe, requiring homebuyers to commit 72.4% of their household income to mortgage payments.</p></li><li><p class="paragraph" style="text-align:left;">None of the state&#39;s major metropolitan areas currently meet the traditional 30% affordability rule for median-earning households.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>AI & Real Estate - Today’s Trends</b></h4></div><p class="paragraph" style="text-align:left;"><b>Tool of the day- </b><a class="link" href="https://www.justgravitate.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=best-markets-for-first-time-homebuyers" target="_blank" rel="noopener noreferrer nofollow"><b>Gravitate</b></a></p><p class="paragraph" style="text-align:left;">Gravitate is an AI-driven real estate investing tool that identifies high-return properties by analyzing multiple deals.</p><p class="paragraph" style="text-align:left;"><b>AI Tools Can Help Solve the Construction Efficiency Problem</b> <a class="link" href="https://www.housingwire.com/articles/ai-tools-construction-efficiency/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=best-markets-for-first-time-homebuyers" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">AI is tackling the U.S. housing supply shortage by optimizing project scheduling and site safety, potentially lowering the cost of new builds through massive reductions in administrative waste.</p><p class="paragraph" style="text-align:left;"><b>How AI is Transforming Real Estate Investment Strategies</b> <a class="link" href="https://tickernews.co/how-ai-is-transforming-real-estate-investment-strategies/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=best-markets-for-first-time-homebuyers" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">Machine learning models are now analyzing hyper-local data to predict neighborhood appreciation, allowing U.S. investors to identify undervalued assets before they hit the mainstream market.</p><p class="paragraph" style="text-align:left;"><b>AI Use Moves From Curiosity to Capability for Real Estate Industry</b> <a class="link" href="https://www.housingwire.com/articles/ai-use-moves-from-curiosity-to-capability-for-real-estate-industry/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=best-markets-for-first-time-homebuyers" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">The U.S. real estate sector has officially moved past the experimentation phase, integrating AI as a fundamental utility for mortgage processing and predictive lead generation to drive operational profitability.</p><hr class="content_break"><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Nearly a Third of Opportunity Zones See Double Digit Home Price Increases</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" 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sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Multifamily at an inflection point: 2026 consequences and opportunities</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, 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Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Off Topic</b></h4></div><p class="paragraph" style="text-align:left;"><b>Mapped: Countries that Earn the Most from Tourism</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/35f5c104-ea30-4aa0-8487-dfe2b938aff8/image.png?t=1770572143"/></div><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Unreal Real Estate</b></h4></div><p class="paragraph" style="text-align:left;"><b>Do you like huge windows and forest views?</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/be8ce13c-1bb6-4583-838a-bc41f7177d35/image.png?t=1770572239"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/2635-Cresta-De-Ruta-St-Eugene-OR-97403/48408597_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=best-markets-for-first-time-homebuyers" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=best-markets-for-first-time-homebuyers" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=best-markets-for-first-time-homebuyers" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are 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</item>

      <item>
  <title>Where Americans Moved in 2025: </title>
  <description>Ranked: The World’s 50 Most Powerful Militaries, Cliffside fixer-upper with inside/outside swimming pool and more</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/6aa90e2f-df77-43c0-978c-05da3f917b07/image.png" length="2637042" type="image/png"/>
  <link>https://www.zeroflux.io/p/where-americans-moved-in-2025</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/where-americans-moved-in-2025</guid>
  <pubDate>Fri, 06 Feb 2026 11:31:14 +0000</pubDate>
  <atom:published>2026-02-06T11:31:14Z</atom:published>
    <dc:creator>Vidit Saxena</dc:creator>
  <content:encoded><![CDATA[
    <div class='beehiiv'><style>
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  .bh__table_cell { padding: 5px; background-color: #FFFFFFFF; }
  .bh__table_cell p { color: #000000FF; font-family: 'Poppins',Helvetica,sans-serif !important; overflow-wrap: break-word; }
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</style><div class='beehiiv__body'><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Latest Rates</b></h4></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.17%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.88%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01% - 7.13%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.75%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.75%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.50%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.80%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.63%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.69% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.35%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.10%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.45%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.59%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.26%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.59% - 7.25%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.81%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.63%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.70% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-americans-moved-in-2025" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Real Estate Trends</b></h4></div><p class="paragraph" style="text-align:left;"><b>Where Americans Moved in 2025: </b> <a class="link" href="https://www.realtor.com/news/trends/net-domestic-migration-state-data-census-2025/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-americans-moved-in-2025" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/71fd0554-ed8b-46f5-a3e0-52bad169a554/image.png?t=1770312121"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">South Carolina, Idaho, and North Carolina led the nation in net domestic migration growth relative to their population sizes in 2025.</p></li><li><p class="paragraph" style="text-align:left;">States with the highest outflows, including New York and California, suffered from low housing affordability and weak homebuilding activity.</p></li><li><p class="paragraph" style="text-align:left;">Migration to Florida and Texas slowed significantly from pandemic peaks, with Florida seeing its lowest annual gain since 2010 due in part to soaring insurance costs.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> People are no longer just chasing sunshine; they are fleeing states where the math of daily life doesn&#39;t add up anymore. When the cost of insuring a home or paying rent outweighs the local salary, the &quot;lifestyle&quot; of a place like Florida or California loses its pull.</p><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Apartment rents just dropped to the lowest level in 4 years</b> <a class="link" href="https://www.cnbc.com/2026/01/29/apartment-rents-just-dropped-to-the-lowest-level-in-4-years.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-americans-moved-in-2025" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">The national median rent fell to $1,353 in January, a 1.4% decline from last year and the lowest January level since 2022.</p></li><li><p class="paragraph" style="text-align:left;">National vacancy rates hit a record high of 7.3% as a peak wave of new apartment supply met cooling demand from a tighter job market.</p></li><li><p class="paragraph" style="text-align:left;">Rent prices are now 6.2% lower than their previous peak in the summer of 2022, with the sharpest declines occurring in the South and Mountain West.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> Landlords are losing their grip on pricing because they finally built enough units to outpace the number of people looking to move. For renters, the power dynamic has flipped, making this the first time in years where walking away from a renewal offer actually carries weight.</p><hr class="content_break"><div class="section" style="background-color:#ff8e65;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. Follow along ↓<br><br><span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-americans-moved-in-2025" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Foreclosure auction volume reaches highest level since Q2 2020</b> <a class="link" href="https://www.housingwire.com/articles/q4-2025-foreclosure-auctions/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-americans-moved-in-2025" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Foreclosure auction volume surged 48% year over year in the fourth quarter of 2025, with growth occurring across all loan types in 43 states.</p></li><li><p class="paragraph" style="text-align:left;">Despite the spike in inventory, actual sales rates declined because higher pricing discouraged buyers from closing the deal.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> We are finally seeing the post-pandemic safety net completely unravel as foreclosure activity returns to a more natural, pre-2020 rhythm. The real story isn&#39;t just the volume increase, but the standoff at the auction block where banks are asking for prices that investors aren&#39;t yet willing to pay.</p><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Healthcare Real Estate Capital Flows: Trends and Insights for 2026</b> <a class="link" href="https://knowledge-leader.colliers.com/jordan-selbiger/healthcare-real-estate-capital-flows-trends-and-insights-for-2026/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-americans-moved-in-2025" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Aging demographics and a shift toward outpatient services are driving national healthcare spending toward $2 trillion, ensuring steady demand for medical office buildings and ambulatory hubs.</p></li><li><p class="paragraph" style="text-align:left;">Public REITs have become active sellers to manage balance sheets, while private equity and health systems are stepping in as buyers to gain more control over clinical delivery and costs.</p></li><li><p class="paragraph" style="text-align:left;">Outpatient revenue has grown 45% since 2020, leading to a surge in specialized facilities for cardiology and spinal procedures that offer investors stable occupancy and 92.5% average occupancy rates.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> Investors have realized that &quot;healthcare&quot; isn&#39;t just about big hospitals anymore; it&#39;s about following the patient to the local clinic. While traditional offices struggle, the medical office is the new &quot;safe haven&quot; because you can&#39;t perform spinal surgery over a Zoom call.</p><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>AI & Real Estate - Today’s Trends</b></h4></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://telnyx.com/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-americans-moved-in-2025" target="_blank" rel="noopener noreferrer nofollow"><b>Telnyx</b></a></p><p class="paragraph" style="text-align:left;">Telnyx is a global communications platform that enables businesses to build and scale real-time voice, messaging, and AI-powered applications. It offers carrier-grade telephony, programmable APIs, and a private global IP network to ensure secure and low-latency connectivity. With tools for Voice AI, IoT, and networking, Telnyx empowers developers to create intelligent, scalable solutions without relying on multiple vendors.</p><p class="paragraph" style="text-align:left;"><b>Propy Raises $100 Million to Reimagine Real Estate Transactions with AI</b> <a class="link" href="https://www.tradingview.com/news/financewire:e2947d002094b:0-propy-raises-100-million-to-reimagine-real-estate-transactions-with-ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-americans-moved-in-2025" target="_blank" rel="noopener noreferrer nofollow">link </a></p><p class="paragraph" style="text-align:left;">This massive capital injection signals a major shift toward using AI to automate the entire U.S. closing process, potentially eliminating traditional title and escrow bottlenecks.</p><p class="paragraph" style="text-align:left;"><b>Fundrise Launches AI Tool to Democratize CRE Analysis</b> <a class="link" href="https://www.techbuzz.ai/articles/fundrise-launches-ai-tool-to-democratize-cre-analysis?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-americans-moved-in-2025" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">By opening up institutional-grade data to individual investors, this tool levels the playing field in the U.S. commercial market, allowing retail users to identify undervalued assets with the same precision as major private equity firms.</p><p class="paragraph" style="text-align:left;"><b>GoCanopy Raises €2.1M Seed Funding for AI Platform for Institutional Real Estate</b> <a class="link" href="https://tech.eu/2026/01/28/gocanopy-raises-eur21m-seed-funding-for-ai-platform-for-institutional-real-estate/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-americans-moved-in-2025" target="_blank" rel="noopener noreferrer nofollow">link</a> </p><p class="paragraph" style="text-align:left;">While European-based, this funding validates a growing global trend of AI-driven portfolio management that U.S. institutional players are rapidly adopting to streamline asset due diligence and reporting.</p><hr class="content_break"><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#F7EEE2;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><h4 class="heading" style="text-align:center;"><span style="color:#000000;"><b>Pro Member Only Content Below</b></span></h4></div><div class="section" style="background-color:#FF6E80;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#000000;">Most of the insights below stem from extra research and include content from paid sources and special reports.</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>2026 North American Investor Intentions Survey</b> <b>Results</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Top Multifamily Markets Share a Common Playbook</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Industrial Absorption Trends</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Where Opportunity Lies in 2026 in CRE</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Life Sciences Trends</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Off Topic</b></h4></div><p class="paragraph" style="text-align:left;"><b>Ranked: The World’s 50 Most Powerful Militaries</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/6aa90e2f-df77-43c0-978c-05da3f917b07/image.png?t=1770312446"/></div><hr class="content_break"><div class="section" style="background-color:#f7efe3;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h4 class="heading" style="text-align:left;"><b>Unreal Real Estate</b></h4></div><p class="paragraph" style="text-align:left;"><b>Cliffside fixer-upper with inside/outside swimming pool</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/1168d7ff-523e-4d28-a855-6d24fea844f3/image.png?t=1770313059"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/12425-137th-Ave-E-Puyallup-WA-98374/49186333_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-americans-moved-in-2025" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-americans-moved-in-2025" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=where-americans-moved-in-2025" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><div class="section" style="background-color:#ffffff;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#ffffff;border-color:#ffffff;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are finding value, please 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</item>

      <item>
  <title>This Was 2025’s Most Popular Home on Redfin</title>
  <description>The Cost of Everyday Things in China vs. the U.S and an old hollywood style home.</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/27f144b2-12ef-4cb5-a801-3a988e14b550/image.png" length="22573" type="image/png"/>
  <link>https://www.zeroflux.io/p/this-was-2025-s-most-popular-home-on-redfin</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/this-was-2025-s-most-popular-home-on-redfin</guid>
  <pubDate>Wed, 04 Feb 2026 11:47:48 +0000</pubDate>
  <atom:published>2026-02-04T11:47:48Z</atom:published>
  <content:encoded><![CDATA[
    <div class='beehiiv'><style>
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</style><div class='beehiiv__body'><hr class="content_break"><div class="section" style="background-color:#e2e1f8;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Latest Rates</b></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.17%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.04%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.88%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01% - 7.13%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.76%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.74%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.50%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.81%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.73%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.69% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.35%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.10%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.45%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.60%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.11%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.14%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.27%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.59% - 7.25%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.83%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.71%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.70% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=this-was-2025-s-most-popular-home-on-redfin" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#ebfaf7;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Macro Trends</b></p></div><p class="paragraph" style="text-align:left;"><b>The US Is the Most Dynamic Economy in the World</b> <a class="link" href="https://www.apolloacademy.com/the-us-is-the-most-dynamic-economy-in-the-world-2/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=this-was-2025-s-most-popular-home-on-redfin" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/28b495b2-98ca-4b81-89fa-cbcd3037e9db/image.png?t=1769970284"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Recent data from the US Census Bureau shows that the weekly number of business applications has reached all-time highs.</p></li><li><p class="paragraph" style="text-align:left;">This surge in entrepreneurship serves as a primary indicator of the continued dynamism and growth within the American economy.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> High business application numbers are a great signal, but they only tell half the story. The real win for the economy isn&#39;t just people starting businesses out of ambition, but whether these new ventures have the capital and labor to survive beyond the first year.</p><hr class="content_break"><div class="section" style="background-color:#f7facd;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Real Estate Trends</b></p></div><p class="paragraph" style="text-align:left;"><b>Top 5 Metros Where Homes Are Piling Up on the Market</b> <a class="link" href="https://www.realtor.com/news/trends/top-metros-home-inventory-surge-december-2025/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=this-was-2025-s-most-popular-home-on-redfin" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Washington, DC, saw the nation’s highest inventory spike at 32.8%, followed by Charlotte at 30.8% and Las Vegas at 29.2%.</p></li><li><p class="paragraph" style="text-align:left;">Seattle and Raleigh rounded out the top five with active listing increases of 28.8% and 26.7%, respectively.</p></li><li><p class="paragraph" style="text-align:left;">The buildup is driven by a slowing sales pace and a weakening &quot;lock-in effect&quot; as more homeowners finally choose to list despite current interest rates.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#fff4fd;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. If you like these platforms, follow along ↓<br><br><span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=this-was-2025-s-most-popular-home-on-redfin" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Manufactured housing gains traction, but negative stigma persists</b> <a class="link" href="https://www.housingwire.com/articles/manufactured-housing-affordable-alternative/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=this-was-2025-s-most-popular-home-on-redfin" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Federal lawmakers are streamlining regulations through the Affordable HOMES Act, which could cut costs by up to $10,000 per unit by reducing overlapping agency oversight.</p></li><li><p class="paragraph" style="text-align:left;">Despite modern units appreciating at similar rates to stick-built homes, local NIMBY opposition and outdated perceptions of safety and aesthetics continue to block new developments.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#f5f3d2;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>AI & Real Estate - Today’s Trends</b></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day: </b><a class="link" href="https://www.roboforce.ai/?utm_source=substack&utm_medium=email" target="_blank" rel="noopener noreferrer nofollow"><b>RoboForce</b></a></p><p class="paragraph" style="text-align:left;">An AI-driven &quot;Robo-Labor&quot; provider offering robotic solutions to automate tasks in various industries, enhancing operational efficiency and reducing labor costs. Recently, RoboForce raised $10 million in early-stage funding to expand its innovative services. </p><p class="paragraph" style="text-align:left;"><b>New AI tool from Fundrise brings high-level CRE analysis to the public</b> <a class="link" href="https://www.cnbc.com/2026/01/27/new-ai-tool-from-fundrise-brings-high-level-cre-analysis-to-the-public.html?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=this-was-2025-s-most-popular-home-on-redfin" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">By democratizing institutional-grade data, this tool allows retail investors to use AI to identify undervalued U.S. commercial assets that were previously only visible to major firms.</p><p class="paragraph" style="text-align:left;"><b>Realtor.com launches ‘first-of-its-kind’ home search platform</b> <a class="link" href="https://www.realestatenews.com/2026/01/21/realtor-com-launches-first-of-its-kind-home-search-platform?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=this-was-2025-s-most-popular-home-on-redfin" target="_blank" rel="noopener noreferrer nofollow">link</a></p><p class="paragraph" style="text-align:left;">This platform integrates deep AI personalization to move beyond basic filters, signaling a shift where U.S. buyers interact with property portals as proactive advisors rather than just static databases.</p><hr class="content_break"><div class="section" style="background-color:#f8f1e4;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Something I found interesting</b></p></div><p class="paragraph" style="text-align:left;"><b>This Was 2025’s Most Popular Home on Redfin And It Sold $740K Over Asking</b> <a class="link" href="https://www.redfin.com/news/most-popular-homes-2025/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=this-was-2025-s-most-popular-home-on-redfin" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">A remodeled 5-bedroom Spanish-style house in Palo Alto was the most viewed home of the year, receiving nearly 35,000 views in a single day.</p></li><li><p class="paragraph" style="text-align:left;">The property was listed for $4.8 million and sold for $5.6 million after being on the market for only one day.</p></li><li><p class="paragraph" style="text-align:left;">Other highly popular listings included a Berkeley tear-down and a historic Virginia farmhouse sold by Vice President JD Vance.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> Even in a market where buyers generally have more power, high-end properties in tech hubs still trigger frantic bidding wars. This shows that &quot;affordable&quot; is relative; the most popular homes aren&#39;t cheap, they are just priced low enough to force a feeding frenzy among the wealthy.</p><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#6450df;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#FFFFFF;"><b>Pro Member Only Content Below</b></span></p></div><div class="section" style="background-color:#fcf0ff;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:left;">Most of the insights below stem from extra research and include content from paid sources and special reports.</p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Why a niche category of CRE lending is suddenly seeing record deals</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>U-Haul’s Top U.S. Growth Metros & Cities of 2025</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>United Van Lines National Movers Study 2025</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Top 10 U.S. Cities To Invest in Short-Term Rentals, Led by a Surprising Oil Hub</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>2026 Colliers Retail Outlook</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#f9e9f1;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Off Topic</b></p></div><p class="paragraph" style="text-align:left;"><b>The Cost of Everyday Things in China vs. the U.S.</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/26d6acf3-0c0c-4c5c-bdbf-c5863fd7b388/image.png?t=1769970685"/></div><hr class="content_break"><div class="section" style="background-color:#f8fdbb;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Unreal Real Estate</b></p></div><p class="paragraph" style="text-align:left;"><b>Old Hollywood called.</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/89bf4c54-b91a-4739-b551-4494592a9da4/old-hollywood-called-marlon-and-steve-said-theyre-bringing-v0-gbg434dl2bgg1.jpg?t=1769970832"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/10934-Bellagio-Rd-Los-Angeles-CA-90077/20527669_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=this-was-2025-s-most-popular-home-on-redfin" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=this-was-2025-s-most-popular-home-on-redfin" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.instagram.com/zeroflux.io/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=this-was-2025-s-most-popular-home-on-redfin" target="_blank" rel="noopener noreferrer nofollow">Instagram</a></p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=this-was-2025-s-most-popular-home-on-redfin" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><p class="paragraph" style="text-align:left;"></p><div class="section" style="background-color:#e7f6f9;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"></p></div><hr class="content_break"><div class="section" style="background-color:#F9FAFB;border-color:rgb(3, 2, 18);border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#faf8f0;border-color:#6450df;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">If you are finding value, please consider helping the newsletter by becoming a paying subscriber</span></p><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">A subscription gets you:</span></p><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, 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  <title>Gen X, millennials set to inherit trillions in real estate wealth</title>
  <description>Mapped: The Median Age of Every U.S. State and more</description>
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  <link>https://www.zeroflux.io/p/gen-x-millennials-set-to-inherit-trillions-in-real-estate-wealth</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/gen-x-millennials-set-to-inherit-trillions-in-real-estate-wealth</guid>
  <pubDate>Fri, 30 Jan 2026 11:31:17 +0000</pubDate>
  <atom:published>2026-01-30T11:31:17Z</atom:published>
    <dc:creator>Vidit Saxena</dc:creator>
  <content:encoded><![CDATA[
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</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#f8f1e4;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>A quick word from our sponsor</b></p></div><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h3 class="heading" style="text-align:left;" id="what-will-your-retirement-look-like">What Will Your Retirement Look Like?</h3><div class="image"><a class="image__link" href="https://pembletonfinancial.com/?a=1376&c=21427&s1={{publication_alphanumeric_id}}&_bhiiv=opp_38a2bcf1-9600-4004-ac46-4824f4f93c67_191e16fc&bhcl_id=f31b6648-5247-433a-a4e3-409c57af751c_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/1c02e947-b8a0-4a79-a3a8-a4fd701ffb4b/CoupleCounterPhone_1000X750__1_.jpg?t=1768949385"/></a></div><p class="paragraph" style="text-align:left;">Planning for retirement raises many questions. Have you considered how much it will cost, and how you’ll generate the income you’ll need to pay for it? For many, these questions can feel overwhelming, but answering them is a crucial step forward for a comfortable future. </p><p class="paragraph" style="text-align:left;">Start by understanding your goals, estimating your expenses and identifying potential income streams. <a class="link" href="https://pembletonfinancial.com/?a=1376&c=21427&s1={{publication_alphanumeric_id}}&_bhiiv=opp_38a2bcf1-9600-4004-ac46-4824f4f93c67_191e16fc&bhcl_id=f31b6648-5247-433a-a4e3-409c57af751c_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">The Definitive Guide to Retirement Income</a> can help you navigate these essential questions. If you have $1,000,000 or more saved for retirement, download your free guide today to learn how to build a clear and effective retirement income plan. Discover ways to align your portfolio with your long-term goals, so you can reach the future you deserve.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://pembletonfinancial.com/?a=1376&c=21427&s1={{publication_alphanumeric_id}}&_bhiiv=opp_38a2bcf1-9600-4004-ac46-4824f4f93c67_191e16fc&bhcl_id=f31b6648-5247-433a-a4e3-409c57af751c_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Get The Guide</a></p></div><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><hr class="content_break"></div><div class="section" style="background-color:#e2e1f8;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Latest Rates</b></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.16%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.10%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.91%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01% - 7.13%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.75%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.74%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.50%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.81%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.65%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.69% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.34%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.45%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.62%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.09%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.10%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.27%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.59% - 7.25%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.83%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.05%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.65%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.70% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=gen-x-millennials-set-to-inherit-trillions-in-real-estate-wealth" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#f7facd;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Real Estate Trends</b></p></div><p class="paragraph" style="text-align:left;"><b>Top 5 Metros Where Home Prices Are Falling the Fastest</b> <a class="link" href="https://www.realtor.com/news/trends/home-prices-falling-fastest-december-2025/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=gen-x-millennials-set-to-inherit-trillions-in-real-estate-wealth" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Austin leads the pack with a 7.3% price drop because it built too many houses and became too expensive during the pandemic.</p></li><li><p class="paragraph" style="text-align:left;">San Diego and San Jose saw prices fall over 5% as people realized renting is way cheaper than dealing with high mortgage rates and insurance costs.</p></li><li><p class="paragraph" style="text-align:left;">Minneapolis and Washington, D.C. also made the list because buyers are scared of job cuts and are waiting for interest rates to move lower.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> To be honest, this is just a reality check for the cities that got too expensive too fast. The thing is, when renting is cheaper than buying, people just stay put, so sellers are going to have to lower their prices even more to get anyone to move.</p><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>From Surge to Shakeout: Where Apartment Rents Are Falling Fastest</b> <a class="link" href="https://www.realpage.com/analytics/4q-2025-data-update/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=gen-x-millennials-set-to-inherit-trillions-in-real-estate-wealth" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/d3ed7900-e842-4f22-aa9e-123198d18956/image.png?t=1769707290"/><div class="image__source"><span class="image__source_text"><p>Image </p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Austin and Denver saw the biggest rent drops at nearly 8%, while Phoenix and San Antonio followed with 5% decreases due to a massive wave of new construction.</p></li><li><p class="paragraph" style="text-align:left;">National apartment occupancy fell to 94.8% as more people moved out than moved in during the final months of 2025.</p></li><li><p class="paragraph" style="text-align:left;">Landlords are increasingly using concessions and free rent deals to lure tenants, with over 23% of apartments now offering discounts.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> Like we saw in the last insight, Sun Belt gold rush is officially over and landlords are hurting because they built too much at the same time. Renters finally have the upper hand here, and anyone who bought these buildings thinking rents would go up forever is in trouble.</p><hr class="content_break"><div class="section" style="background-color:#fff4fd;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. If you like these platforms, follow along ↓<br><br><span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=gen-x-millennials-set-to-inherit-trillions-in-real-estate-wealth" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Gen X, millennials set to inherit trillions in real estate wealth</b> <a class="link" href="https://www.housingwire.com/articles/gen-x-millennials-set-to-inherit-trillions-in-real-estate-wealth/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=gen-x-millennials-set-to-inherit-trillions-in-real-estate-wealth" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Gen X and millennials are expected to inherit about $4.6 trillion in global real estate over the next 10 years.</p></li><li><p class="paragraph" style="text-align:left;">More than half of this massive property hand-off is happening right here in the U.S. as baby boomers pass down their assets.</p></li><li><p class="paragraph" style="text-align:left;">Gen X is first in line for the biggest slice of the pie right now, while millennials will see the largest gains in the long run.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> This isn&#39;t just a transfer of money; it’s going to be a massive reshuffle of where people live. Most heirs won&#39;t want to keep their parents&#39; old houses, so we’re going to see a huge wave of listings as people sell off these estates to buy homes that actually fit their own lives.</p><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Buying More Affordable than Renting in a Majority of Counties, But Home Prices Rising Faster than Rents</b> <a class="link" href="https://www.attomdata.com/news/market-trends/home-sales-prices/2026-rental-affordability-report/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=gen-x-millennials-set-to-inherit-trillions-in-real-estate-wealth" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/8bc600ee-4f0e-4fd7-9f4d-efaf875f32c4/Dashboard_1.png?t=1769707618"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Owning a home is currently cheaper than renting a three-bedroom place in nearly 58 percent of the counties studied across the U.S.</p></li><li><p class="paragraph" style="text-align:left;">Even though buying saves money monthly in the long run, home prices are growing faster than rents in 69 percent of those same areas.</p></li><li><p class="paragraph" style="text-align:left;">The Midwest is the best spot for buyers with 81.5 percent of counties favoring ownership, while the West is the toughest with only 16.9 percent favoring buying.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> It is a total mess for anyone trying to start out because the &quot;cheaper&quot; option requires a massive pile of cash upfront that most people can&#39;t save while paying record-high rents. The big money is going to landlords in the West and homeowners in the Midwest, but first-time buyers are getting squeezed out by prices that are moving way faster than their paychecks.</p><hr class="content_break"><div class="section" style="background-color:#f5f3d2;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>AI & Real Estate </b></p></div><p class="paragraph" style="text-align:left;"><b>Tool of the day - </b><b><a class="link" href="https://www.spaceflare.ai/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=gen-x-millennials-set-to-inherit-trillions-in-real-estate-wealth" target="_blank" rel="noopener noreferrer nofollow">Spaceflare </a></b></p><p class="paragraph" style="text-align:left;">Spaceflare is a cutting-edge AI Agent platform designed to streamline building, tenant and infrastructure research through an advanced map interface. By automating tasks and providing valuable insights, Spaceflare empowers you to focus on strategic initiatives and achieve greater commercial real estate success</p><hr class="content_break"><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#6450df;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#FFFFFF;"><b>Pro Member Only Content Below</b></span></p></div><div class="section" style="background-color:#fcf0ff;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:left;">Most of the insights below stem from extra research and include content from paid sources and special reports.</p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>The Next Tier of Industrial Winners Emerges Along This Area</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>The Future of Retail Is Hyper-Local</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Top 10 Most Affordable U.S. Counties for Owning a Home in 2026</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>This Asset Class Gaining Ground in the 1031 Exchange Landscape</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Fortune Will Favor the Bold</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Proptech Startups That Just Got Funded</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><div class="section" style="background-color:#f9e9f1;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Off Topic</b></p></div><p class="paragraph" style="text-align:left;"><b>Mapped: The Median Age of Every U.S. State</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/ede2347a-fb8e-4084-8de1-a45cc437399e/image.png?t=1769707900"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><hr class="content_break"><div class="section" style="background-color:#f8fdbb;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Unreal Real Estate</b></p></div><p class="paragraph" style="text-align:left;"><b>Your very own grain elevator</b></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/44bad768-768a-43c4-b45a-856f811437e7/image.png?t=1769708865"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/11649-123rd-Ave-S-Sabin-MN-56580/250280279_zpid/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=gen-x-millennials-set-to-inherit-trillions-in-real-estate-wealth" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. If these emails aren&#39;t for you anymore, you can </span><span style="color:rgb(17, 17, 17);"><a class="link" href="https://www.zeroflux.io/subscribe/{{subscriber_id}}/manage?post_id=e7adf5f4-b3a3-4933-bdcb-984886cf67a1&utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=gen-x-millennials-set-to-inherit-trillions-in-real-estate-wealth" target="_blank" rel="noopener noreferrer nofollow">unsubscribe</a></span><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;"> here.</span></p><p class="paragraph" style="text-align:left;">Cheers,</p><p class="paragraph" style="text-align:left;">Vidit</p><p class="paragraph" style="text-align:left;">P.S - Read past <a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=gen-x-millennials-set-to-inherit-trillions-in-real-estate-wealth" target="_blank" rel="noopener noreferrer nofollow">newsletters</a> here</p><p class="paragraph" style="text-align:left;"></p><div class="section" style="background-color:#e7f6f9;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"></p></div><hr class="content_break"><div class="section" style="background-color:#F9FAFB;border-color:rgb(3, 2, 18);border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><h6 class="heading" style="text-align:left;"><b>Referral Milestones</b></h6><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" style="background-color:#faf8f0;border-color:#6450df;border-radius:1px;border-style:solid;border-width:1px;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, 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  <title>Top 10 Places for Americans To Retire Overseas</title>
  <description>Ranked: The Fastest-Growing Jobs in the Next Decade, A Scottish dancehall for 395K and more</description>
      <enclosure url="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/160d6429-986d-4044-b671-201e9cc68188/image.png" length="288763" type="image/png"/>
  <link>https://www.zeroflux.io/p/top-10-places-for-americans-to-retire-overseas</link>
  <guid isPermaLink="true">https://www.zeroflux.io/p/top-10-places-for-americans-to-retire-overseas</guid>
  <pubDate>Wed, 28 Jan 2026 11:31:18 +0000</pubDate>
  <atom:published>2026-01-28T11:31:18Z</atom:published>
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</style><div class='beehiiv__body'><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#f8f1e4;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>A quick word from our sponsor</b></p></div><h3 class="heading" style="text-align:left;" id="what-will-your-retirement-look-like">What Will Your Retirement Look Like?</h3><div class="image"><a class="image__link" href="https://pembletonfinancial.com/?a=1376&c=21427&s1={{publication_alphanumeric_id}}&_bhiiv=opp_697e31fc-7203-4427-b59f-67e8aa20c3fc_191e16fc&bhcl_id=f02e15c7-6179-4fda-9429-3d89c29422b5_{{subscriber_id}}_{{email_address_id}}" rel="noopener" target="_blank"><img class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/1c02e947-b8a0-4a79-a3a8-a4fd701ffb4b/CoupleCounterPhone_1000X750__1_.jpg?t=1768949385"/></a></div><p class="paragraph" style="text-align:left;">Planning for retirement raises many questions. Have you considered how much it will cost, and how you’ll generate the income you’ll need to pay for it? For many, these questions can feel overwhelming, but answering them is a crucial step forward for a comfortable future. </p><p class="paragraph" style="text-align:left;">Start by understanding your goals, estimating your expenses and identifying potential income streams. <a class="link" href="https://pembletonfinancial.com/?a=1376&c=21427&s1={{publication_alphanumeric_id}}&_bhiiv=opp_697e31fc-7203-4427-b59f-67e8aa20c3fc_191e16fc&bhcl_id=f02e15c7-6179-4fda-9429-3d89c29422b5_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">The Definitive Guide to Retirement Income</a> can help you navigate these essential questions. If you have $1,000,000 or more saved for retirement, download your free guide today to learn how to build a clear and effective retirement income plan. Discover ways to align your portfolio with your long-term goals, so you can reach the future you deserve.</p><p class="paragraph" style="text-align:left;"><a class="link" href="https://pembletonfinancial.com/?a=1376&c=21427&s1={{publication_alphanumeric_id}}&_bhiiv=opp_697e31fc-7203-4427-b59f-67e8aa20c3fc_191e16fc&bhcl_id=f02e15c7-6179-4fda-9429-3d89c29422b5_{{subscriber_id}}_{{email_address_id}}" target="_blank" rel="noopener noreferrer nofollow">Get The Guide</a></p><div class="section" style="background-color:#e2e1f8;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Latest Rates</b></p></div><div style="padding:14px 15px 14px;"><table class="bh__table" width="100%" style="border-collapse:collapse;"><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Loan Type</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Current Rate</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>Day Change</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Week</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Month</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>1 Year</b></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><b>52-Week Range</b></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.17%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.10%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.94%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.01% - 7.13%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>15 Yr. Fixed</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.75%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.15%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.76%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.55% - 6.50%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. FHA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.82%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.72%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.69% - 6.53%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. Jumbo</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>6.37%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.02%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.00%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">6.10% - 7.45%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>7/6 SOFR ARM</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.70%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.01%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.08%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-1.24%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.59% - 7.25%</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>30 Yr. VA</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;"><b>5.84%</b></span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">+0.07%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.03%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">-0.71%</span></p></td><td class="bh__table_cell" width="14%"><p class="paragraph" style="text-align:left;"><span style="color:rgb(31, 31, 31);font-family:"Google Sans Text", sans-serif;">5.70% - 6.54%</span></p></td></tr></table></div><hr class="content_break"><p class="paragraph" style="text-align:center;"><span style="color:rgb(3, 2, 18);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">New here? </span><a class="link" href="https://www.zeroflux.io?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-places-for-americans-to-retire-overseas" target="_blank" rel="noopener noreferrer nofollow">Join the newsletter (it&#39;s free).</a></p><hr class="content_break"><div class="section" style="background-color:#ebfaf7;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Macro Trends</b></p></div><p class="paragraph" style="text-align:left;"><b>Elon Musk says retirement savings could become ‘irrelevant’</b> <a class="link" href="https://www.housingwire.com/articles/elon-musk-retirement-saving-could-become-irrelevant/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-places-for-americans-to-retire-overseas" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Musk claims that rapid advances in AI and robotics will create a world of abundance where goods and services are so cheap that saving money for the future won&#39;t matter.</p></li><li><p class="paragraph" style="text-align:left;">He suggests that within 10 to 20 years, technology will provide everyone with a &quot;universal high income&quot; and medical care better than what is available today.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> Elon is betting on a tech fairy tale where robots do all the work and everything is free. If he’s wrong and you stop saving, you’re the one who ends up broke and working forever while he stays a billionaire 🙂 </p><hr class="content_break"><div class="section" style="background-color:#f7facd;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>Real Estate Trends</b></p></div><p class="paragraph" style="text-align:left;"><b>Top 10 Countries for Americans To Retire Overseas in 2026</b> <a class="link" href="https://www.realtor.com/news/trends/best-countries-retire-overseas-2026/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-places-for-americans-to-retire-overseas" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/dc86681a-2894-4161-8a6d-6e86bbef637c/image.png?t=1769530890"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">The 2026 index ranks Panama, Portugal, and Mexico as the leading destinations based on lower living costs, safety, and healthcare quality.</p></li><li><p class="paragraph" style="text-align:left;">Retirement havens like Greece, France, and Thailand offer monthly budgets ranging from $1,442 to $3,305, which is significantly cheaper than the U.S. average of over $5,000.</p></li><li><p class="paragraph" style="text-align:left;">Most featured locations offer better personal safety rankings than the U.S. and provide high-quality medical care at a fraction of the price.</p></li></ul><hr class="content_break"><div class="section" style="background-color:#fff4fd;margin:0.0px 0.0px 0.0px 0.0px;padding:10.0px 10.0px 10.0px 10.0px;"><p class="paragraph" style="text-align:left;">I post the most popular insights from the day on Reddit. If you like these platforms, follow along ↓<br><br><span style="text-decoration:underline;"><a class="link" href="https://www.reddit.com/r/realestatedaily/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-places-for-americans-to-retire-overseas" target="_blank" rel="noopener noreferrer nofollow" style="color: rgb(17, 85, 204)">Reddit</a></span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Nurses are still America’s most trusted workers</b> <a class="link" href="https://sherwood.news/personal-finance/nurses-are-still-americas-most-trusted-workers/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-places-for-americans-to-retire-overseas" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><div class="image"><img alt="" class="image__image" style="" src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/f9b6d2dc-dcb1-47d7-a6e7-168ff2410a66/image.png?t=1769531191"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><ul><li><p class="paragraph" style="text-align:left;">Nurses topped Gallup’s ethics list for 2025, a spot they have held almost every year since 1999.</p></li><li><p class="paragraph" style="text-align:left;">Despite the top ranking, trust in nurses, doctors, and pharmacists has dropped double digits since the pandemic.</p></li><li><p class="paragraph" style="text-align:left;">Overall trust in U.S. professions is at an all-time low, with members of Congress and telemarketers ranked as the least ethical.</p></li></ul><p class="paragraph" style="text-align:left;"><b>My take:</b> People still love nurses, but the &quot;healthcare hero&quot; glow from the pandemic is officially dead. When nobody trusts anyone from the boardroom to the capital, the only people left with any credit are the ones literally saving your life in a hospital bed.</p><hr class="content_break"><div class="section" style="background-color:#f5f3d2;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><b>AI & Real Estate - Today’s Trends</b></p></div><p class="paragraph" style="text-align:left;"><b>Tips on How Real Estate Agents Should Use AI in 2026</b> <a class="link" href="https://techbullion.com/tips-on-how-real-estate-agents-should-use-ai-in-2026/?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-places-for-americans-to-retire-overseas" target="_blank" rel="noopener noreferrer nofollow">Link</a></p><ul><li><p class="paragraph" style="text-align:left;">Agents should use autonomous AI assistants to handle lead qualification and scheduling so they can spend more time acting as financial advisors.</p></li><li><p class="paragraph" style="text-align:left;">New visualization tools let buyers see virtual renovations instantly, while predictive pricing models help sellers set home prices based on real-time demand rather than old data.</p></li><li><p class="paragraph" style="text-align:left;">AI-driven messaging tools fix lead ghosting by sending personalized, situational updates to buyers who are hesitating due to financial fatigue.</p></li></ul><hr class="content_break"><hr class="content_break"><div class="section" style="background-color:#6450df;margin:0.0px 0.0px 0.0px 0.0px;padding:2.0px 0.0px 2.0px 0.0px;"><p class="paragraph" style="text-align:center;"><span style="color:#FFFFFF;"><b>Pro Member Only Content Below</b></span></p></div><div class="section" style="background-color:#fcf0ff;margin:0.0px 0.0px 0.0px 0.0px;padding:6.0px 6.0px 6.0px 6.0px;"><p class="paragraph" style="text-align:left;">Most of the insights below stem from extra research and include content from paid sources and special reports.</p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>Why the Office Is More Important Than Ever</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>The CRE Risk No One&#39;s Talking About</b> </p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:start;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, DejaVu Sans, Verdana, sans-serif;font-size:15px;">)</span></p></div><hr class="content_break"><p class="paragraph" style="text-align:left;"><b>The most buyer-friendly markets in 2026</b></p><div class="section" style="background-color:transparent;margin:0.0px 0.0px 0.0px 0.0px;padding:0.0px 0.0px 0.0px 0.0px;"><p class="paragraph" style="text-align:left;"><span style="color:rgb(79, 79, 79);font-family:Montserrat, "DejaVu Sans", Verdana, sans-serif;font-size:15px;">(This content is restricted to Pro Members only. </span><span style="color:rgb(79, 79, 79);font-family:Montserrat, "DejaVu Sans", Verdana, sans-serif;font-size:15px;"><span style="text-decoration:underline;"><a class="link" href="https://www.zeroflux.io/upgrade?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=there-s-a-surprising-top-city-for-2024-apartment-investment" target="_blank" rel="noopener noreferrer nofollow">Upgrade</a></span></span><span style="color:rgb(79, 79, 79);font-family:Montserrat, "DejaVu Sans", Verdana, 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src="https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,format=auto,onerror=redirect,quality=80/uploads/asset/file/8c8cf4df-deb7-447a-94fc-947a02a24960/image.png?t=1769531611"/><div class="image__source"><span class="image__source_text"><p>Image</p></span></div></div><p class="paragraph" style="text-align:left;"><a class="link" href="https://www.zillow.com/homedetails/16-E-Broadway-St-Wellston-OH-45692/347243838_zpid?utm_source=www.zeroflux.io&utm_medium=newsletter&utm_campaign=top-10-places-for-americans-to-retire-overseas" target="_blank" rel="noopener noreferrer nofollow">Link to the listing</a></p><hr class="content_break"><hr class="content_break"><p class="paragraph" style="text-align:left;"><span style="color:rgb(17, 17, 17);font-family:Avenir Next, Nunito, -apple-system, system-ui, Segoe UI, Roboto, Helvetica, Arial, sans-serif, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol;font-size:17px;">That&#39;s all folks. 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class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Discount</sub></p></th><th class="bh__table_header" width="50%"><p class="paragraph" style="text-align:left;"><sub>Referrals Needed</sub></p></th></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">3 MONTHS FREE on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">1</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">30% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">5</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">50% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">10</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">75% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">15</span></p></td></tr><tr class="bh__table_row"><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">100% off FOREVER on the Pro Plan</span></p></td><td class="bh__table_cell" width="50%"><p class="paragraph" style="text-align:left;"><span style="font-size:0.8rem;">25</span></p></td></tr></table></div></div><hr class="content_break"><div class="section" 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