We don’t think of a civilized, developed society without these ingredients: First, ownership. That is, ownership of real estate, land, and assets like a vehicle, bank account, or retirement fund, and educations. Some societies only allow the rental or temporary stewardship of some of these things, but that usually only exists in a sustainable way in undeveloped, or 3rd world countries like Mexico, or Venezuela. Secondly, employment. Before we as citizens had the modern trappings of purchasing a home or landing our dream jobs, we had only people in our community and families, and what the labor of the family unit could produce to live on. No one wanted for work because the only work was to build shelter, hunt, care for others, and to ensure peace. If you wanted to not be exiled, you played a role as a worker and your pay was not in money, but shelter and food you’d produced. It is a system nature created as ideal conditions for human life. People from the beginning of time existed by building a shelter, hunting, gathering, and farming – as well as occasional fighting to ensure their right to spend their time procuring such needs was not interrupted by competing forces. Should someone show up in the tribal hut built by primitive hands while the family was out hunting food, the only way to return to ‘work’, the shelter built by hand was needed to sleep, so one had energy to hunt and farm the next day would be to kill whoever had taken over their shelter. No settler in those days would fathom beginning to plant a farm without a structure to live in having been built to ensure sustainability and permanence first.

By no means would a tribal head of a family or chieftain go out and suggest that they curtain off their hut and exchange barter for vegetables and labor, because it went against the human natural urge and instinct to share quarters with non family members unless it was a war barracks or a campaign on the road for war to protect women and children back home. Now, we have modern employment rather than the work nature gave us – and the first ingredient, which is shelter – is assumed to preexist. Third we have education and technology which enables us to innovate and invent. Our payoff for these sacrifices of a more simple life are the trappings of technology, electricity, plumbing, sanitation, entertainment, beautiful architecture, and travel. What happens to a society when these things are no longer enjoyed by the majority and that majority has never known a life without these modern day conveniences and luxuries? It collapses, like the Roman Empire.

The first of these ingredients is ALWAYS shelter or housing no matter the stage of development. We all know how many have died while journeying from place to place throughout history because no settlement were reached, because instead of staying in the shelter in the same location, they were on the move – and travel was deadly. Travel is still just as deadly. Yet employers are obsessed with turning the workforce into a mobile, transient body they can shift about at their disposal. This is inhuman. We are losing that first building bloc, and developed society will collapse without housing. Yet the housing crisis is over and now we risk a corporate level collapse of real estate – only the housing is rolled into investment portfolios in some locations with the corporate real estate. If these investors who own these vast real estate margins of our market fail (and there is great and undeniable evidence that they have already begun to fail at a large scale) we will see up to 30-40% of our nation’s real estate GDP equity and inventory become shuttered and legally unusable. Of course this is a worst case scenario, one that would have an inevitable war attached. If people cannot afford to buy housing with any job they can get even working over full time, they most definitely will be outside obstructing the rest of us from work out of sheer jealousy and desperation with protests, unrest, and public shows of anger.

All this means is that the structures will still exist, but it will be illegal for anything human to use them. Which means this collapse would be different – instead of watching rents and prices fall, this could render huge portions of our nations real estate inventory unusable by weight of law. Why these investors would base their investment planning and profit projections given their knowledge of the economy and business planning on going backwards, IE: giving people work and assuming they already have their own housing without said work, is extremely malicious and predatory in the extreme – it could only be for profit without concern for humanity. It is not sustainable and is not meant to be, as these investors have proven their motive is secession from the Federal government – and who do you think they’d put in its place? War would result.

The foundation of the developed USA has been consolidated by the 2008 global investors. This has already occurred in places around the world since 2008 besides the US and like I said, war is always the result as these nations are now at war with themselves. I still stand by the opinion that those nations are victims of economic terrorism. I have reason to suspect that we are the next domino to fall here in the USA without rapid and immediate legislative intervention by President Donald Trump.

A study from Rent.com stated that 81% of apartment property managers and private landlords have seen a drop in credit scores from their potential tenants. Over 3.4 million adult children live at home with their parents in parts of California. We don’t currently measure what percentage of the workforce at a national level these legally homeless working age millennial make up.

To me this is staggering news. Just before I came of age I had a tiny, cheap apartment my mom helped me to rent while I worked full time for her tax firm for minimum wage and raised my eldest daughter as a single mom. I had it good and I knew it. I was renting without her help by the age of 19 on my own credit with a no-credit history and a beginners score in the low 500’s seeing as I also had a lot of medical debts because I was a single mom. I feel horrible for the younger half of my generation and even worse for my now adult daughter, part of Generation Z. I see a very different trend nowadays. Nowadays, the younger half of my generation, the millennial’s and generation ‘Z’ or my daughter’s generation (which I like to call the ‘last’ alphabetical generation) is totally unable to do any of those things without a cosigner and a hefty down payment as well as having to contend with technology such as mandated direct rent withdrawal and a bank account with direct deposit to secure rent payments. These things used to grant young people a break in credit standards and it was illegal to turn down a prospective tenant with poor or bad credit who had a job and the earnings to pay the rent. Now, these rules are in place and considered SOP’s rather than merely ‘fair game’. How is this affecting our LFPR in a negative light? Employers and the Fed pretend that the issue doesn’t even exist, yet experience and my research have proven otherwise. No one wants to admit the housing crisis caused an end to the American Dream – yet if we say that it is indeed terminally ill, that means we can still resurrect it, because we’re treating that terminal illness. We cannot win a fight we will not acknowledge as a nation.

Gone are the days of lax mortgage lending standards. Gone are the days where a majority of college grads left home with no debt for their new jobs and moved out rather than back in The next few years will tell us whether tightening credit lending standards has actually backfired into the real estate markets via furthering consolidation of the real estate market inventory inside the USA. We see a trend now of rapidly declining home ownership rates, and the property management firms have been consolidating, flipping, and reinvesting profits back into more real estate – thus increasing our real estate markets since 2008 in span of less than 10 years – to pre-2008 bubble highs. This is not what market analysts would consider to be ‘sustainable’ real estate markets. Worse, these vulture portfolio firms have expanded their operations to include huge business investments with large firms containing 100 or more employees scattered all over the map with the same teams of investors and investment firm partners circulating these assets into a conglomerate, privatized and subsidized super-project consuming entire city blocs for the sole purposes of fixing real estate prices. They have succeeded in creating wealth beyond their wildest dreams, have snapped up foreclosures in the commercial real estate market such as motels, and entire foreclosed corporate plazas that shuttered post 2008. Very little of these were ever invested back into employee wages and home ownership continued to drop. What did drop off the map of home ownership by the average worker or family became part of their portfolios. America’s lost wealth was transferred into huge consolidated corporate portfolios over time, and we can see our spiking prices and inflation evident in other markets. We are stacking up to the ceiling and then tearing the roof off, so to speak.

What also has happened over the last two years since 2014 is that we have regained pre-2008 bubble prices and about 10% of a price margin over those highs in less than a single decade, and that several of the well known corporations investing in property management portfolio firms have gone and sold off large shares of their equity assets like real estate – and that they have been purchased by firms even larger than the ones who bought, flipped, and sold them to begin with. As a result, we have mass consolidation of our real estate markets being controlled by national conglomerate and global corporations – the same corporations that employ a major share of Americans. Why have we created a dynamic in which our own employers are buying up our housing inventory and then renting it back at a higher price that our incomes qualify us to rent?

Let’s take a look at how the markets are being rigged on the big box corporate level and the disparity between mere humans and huge corporations with hundreds of board members making a collective honeypot bureaucracy of arbitrary rules that no man or even small business partnership would ever come up with, simply because in practice it would implode. Because these businesses are large with huge outside investments pouring in to prop up their bottom lines from other businesses in that network of corporations and partners, they can run that way. It is not possible for small businesses to do business in this way unless they fancy sharing a portion of their business with fair weather investors, thus no longer owning their own business, and certainly not their own homes. In Capitalism, big box retail global business having such an advantage is not fair market competition for mere mortals trying to start a business and work for themselves. It is Fed subsidization of bankrolling huge investment packages to corporate conglomerates in order to balance out the bailouts of the crisis and vet privatized contractors for even more bloated spending and consolidation – none of which will ever make it back to the private civilian non corporate sector unless our government forces them to do so. We all know how that goes. Yet it must be done.

The reason I bring all these long, oft repeated statements up is that we no longer have a fully free, Capitalist real estate market in certain locations any longer. Place like Atlanta, Houston, Portland, and other major metropolitan areas that were considered ‘hubs’ of flyover states or off coastal cities with nothing going on but the people who were from there making their way in life are now investor red zones, hot spots – turning black in default equity and making city councils scramble. Now we have a compounded and recurring problem – these same sets of investors still own these homes or have sold them off to even bigger investors -and now are subleasing them out or leaving them vacant for expensice luxury renovations, and many of them sat empty for long periods and rent never budged, neither did credit requirements. This was a plan they devised to offset losses when private consumer markets had no credit and no liquid cash to invest even in something as simple as a residential lease. This isn’t a condition of a healthy, free market. A normal, healthy market would respond to this consolidation rather than sit like a cinder block being stacked up with other blocks to dizzying heights. We have seen volatility emerge as a result of these developments in a very latent fashion.

To offset the costs of letting the unsold or un-rented investment units and homes stand empty, and to fill the bureaucratic rules their labyrinthine maze of corporations to have had to operate business on such a consolidated, widespread national level – these firms let these inventories of vacant rentals to be leased off to a subset of wannabe ‘tenant investor landlords’ that never existed before – some who do not own any assets and have no share in the markets at all. It is slum lording in essence. It means that the people who control large percentages of the real estate inventory since 2008 do not need a private market to turn a profit margin on their investments. Unless we want to see a society where home ownership is an anomaly, we have to fix this flipping trend. We need to make property flipping into a venture that is less profitable to non individual homeowners and corporations or our rents will exceed our incomes in no time flat.

Perhaps this sort of extortion actually did exist before – but it was criminalized back then, and that was when the Philadelphia housing project sky rises were built solely to be let out to section 8, SSI, and welfare recipients. Those same tenements have since been shuttered and laws passed to prevent such predatory market rigging again. Now, that situation is developing at a national and global level, but in this scenario – people don’t even get their own private tenements – they are being divided, units once meant for no more than 3-5 people have been divided into multi family units for 10-12. This overcrowding leads to disease, disasters, and deaths. We have seen this recur in the Ghost Ship tragedy. I have been to Philadelphia and seen those tenements, and they make me sick – they are no better than living in a parking garage outfitted with furniture and don’t even have heat, plumbing, or electricity. Thus, they were declared unfit for human habitation and the city ran out of money with which to demolish them. This example stands all over the rust belt and the East Coast today.

This subset of wannabe tenant-landlords is a symptom of a volatile market that is now controlled by corporations and the private sector (and no I don’t mean mom and pop) is now being vetted by people who cannot buy or own anything in the real estate market because of IRS, bankruptcy, or credit issues. They cannot even share in a partnership of someone who is able. So to continue their business structures in the real estate flipping world, to continue their investment schemes and use their new ‘property management’ business as a tax write off by taking huge losses on large swaths of real estate over the years they took out new leases. In some cases I have seen clients in practice sell their businesses or quit their high paying jobs in other sectors that become real estate players. Before the turn of the millennia, no one ever quit their job to flip properties! Now it is it hot, hot, hot. It is the new gambling and the new fad in investment. Why work when you can flip?

Yet consumer markets are being affected by this in ways that no one who has never bought a home and doesn’t work in the financial sector could foresee. For the first time people who can’t participate in the property flipping game are not having to buy in to flip properties – now they have resorted to flipping leases. Leases that the investors never planned to fill themselves. Purchasing leases from the investors that used to be their business partners became a new thing once the defunct investors who quit their jobs to flip became insolvent. Like a Vegas craps player, they’re addicted to property flipping.Even after a big loss, they cannot do anything but seek out ways to re-enter the real estate flipping casino – even going so far as to take out as many leases they could afford, then divide those spaces and sublet them to turn a profit – and finally, raising the property values and rents faster than any pre recession market activity ever could. In ten years we are at pre-recession highs, and it is because the investors who should have gone to prison — Didn’t.

My favorite example at this time of said activity is ‘The Ghost Ship’ in San Francisco. We’ve all heard about the recent famous fire that killed dozens up in Northern California. Dozens of kids who were in their 20’s or 30’s, just starting out in life – all with student loans and/or jobs that didn’t pay a living wage even though they required degrees that cost 100k-300k apiece died because of antiquated overcrowding not seen in San Francisco since the historic quake in the early 1900’s.

You’d think San Francisco would know better than to recreate that scenario, yet the tech bubble and Silicon Valley executives has done exactly that. Few of these profits pass back into the tech sector’s workers pockets, and an elite few rake in obscene salaries starting from 75-100k and more. Yet the average mortal tech worker will never see a raise beyond exempt salary level income caps set by the Federal Government. Those workers can be seen littered about the coast, techie gypsies living in caravans and RVs on the sides of the roads that line hot tech company relocation areas and hot tech money employment areas. These modern day ‘communes’ like the Ghost Ship are not like those hippies of the 1960’s in which residents exited the close and crowded living situation with enough saved up to skip the apartment or home rental process and buy their own homes, invest in starting their own businesses. Instead they are trapped, and subleases should be illegal, yet cities have ignored them.

This is what birthed the success of baby boomer entrepreneurs. Now, the sublet lessor of places like the ghost ship turn a hidden black market profit by marking up the lease as they wish with 0 market regulation, but Capitalism is a system of ownership – and the situation I describe is Usury. If prosecutions had been made, the defunct real estate investor flippers like the tenant who subleased ‘The Ghost Ship’ to all those burnt corpses would be in prison rather than rigging the tenant markets to end lives because they started a new form of tenements, luring tech and new money – silicon valley execs, rap stars, angel investor foreigners with inherited family money, superstar reality TV actors, and porn stars whose incomes blow the average median earner away in terms of purchasing power. Realizing they could invest in all the foreclosures and keep raising rents to profit, they did. These people have ambitions to buyout and replace old money with their new money, even to displace landowners and people who have been on their lands for a century or more. But they are greed obsessed tyrants, on par with the days of the French Revolution. They cannot be allowed to assume monetary control and must be arrested for civil peace sake.

Infrastructure is not meant to keep up with this many people crammed into the city spaces that were made for housing families, not businesses with the same number of tenants that a hostel would host. Our power grids, plumbing, and infrastructure are crumbling with the weight of being overburdened and taxes aren’t coming in to pay for it, because all these extra residents are literally living off the grid – right in the city center they work in. To ask these workers to go elsewhere, means the infrastructure fails – yet housing them is never brought up except by usurious investment firms. Yet they need to have a leg to stand on. Once again, there is no data measured for how many workers live in sublet or ‘creative’ living situations such as the Ghost Ship. This is a symptom of the black and grey market gaining enough headway to parallel and compete with the white market economy. This is an additional ingredient to civil unrest – as it leads up to having an economy that can be drawn to replace the one we have now if and when it collapses – a prospect which should terrify anyone.

If you were to take your life and remove housing out of the equation what would change for you? Say you wave a magic wand, and you have your job, your family, your car, business and all your money intact – but could not buy housing. Say you’d reached the pinnacle of your career, are in your prime – and still you cannot afford to buy market rate housing. Say you’re on salary, work a lot of overtime, and have no time for another job and no room for raises. Pretend for a minute you had nowhere to go and still had to show up for your job tomorrow and outperform others to compete and stay employed. Pretend that you also could go to no one else’s house to do what you normally do at home, like shower, strut around nude, unwind, eat dinner, and get your clothes and meal ready for work the next day. Pretend you have to be in public 100% of the time and still work. Pretend housing could only be obtained through barter by your employer as part of your pay package or through inheritance. If you lost that lottery, you’d be homeless with a full time job, unable to buy into the rental market much less the homeowners market. You might still be able to find or even keep a job. This is projected by my calculations to be affecting up to 50% of workers if in these charts the data reflects it takes more than what 60% of workers make to rent a one-bedroom apartment at market rate in most major cities. I just do not have sufficient data to make those calculations. Even then, about 60% of those who have the income and the jobs won’t qualify for credit to rent anywhere in the entire US. Meaning if the employer is now forced to hire only those who have the means to obtain housing outside the rental or real estate market (and workers are facing this dynamic, because the Ghost Ship in SF flourished until it caught fire) then this is a huge factor in why employers are seeing attrition and turnover rates because of the housing market flux – and they do not even realize it themselves. That is now an issue with loss of labor and production, a vicious cycle that cannot correct itself without rapid government intervention. Staffing firms do not help the situation at all as they act as a third party keeping wages down and worker rights as well as workplace safety are at an all time low. Is it any wonder when economic stability and housing conditions are this poor? Our misery index is shown below.

This is an issue that needs addressed but first, it has to be measured. There is no way to measure the LFPR vs the worker participation rate in the rental and real estate markets because we do not currently have all the data – it is an issue that did not exist prior to 2008. We cannot solve a problem that we cannot measure. It would be like trying to do surgery with your bare hands and no tools. I have chart upon chart saved to my hard drive in attempts to collect enough data to perform these calculations, but am sorely lacking.

Prior to 2008, these market conditions like writing out and profiting off buying out a lease and then subleasing it back to people who are unaware that their new ‘landlord’ doesn’t even own the property, and that the real owner has no idea the lease owner are running a business renting their investment property out did not exist. It was were unheard of, and everyone knew that housing was the only way people could hold down jobs. Without it, people were unemployable.

Now people realize that without housing, their only chance to re-enter the economy is through employment and we are seeing a trend in that they are not able to re-obtain housing and sustain it even with full employment. This means the problem goes beyond employment and creating jobs. We have no way to measure how many workers have no permanent housing solution yet are permanently attached to the workforce. This is not a problem with specific circumstances or specifics that can be blamed on the workers failing to find housing. It all boils down to math and money – there simply isn’t enough to sustain the current DJIA levels unless changes are made. The main problem has been allowing rental agencies to turn people down due to credit and higher lending standards. According to this chart, if a rental agency is requiring a FICO score of 700 and a low-approval at 680, which is the most common for new build apartment rentals and non low income housing for credit minimums in ‘hot’ cities with a low housing vacancy rate, 61% of the nation doesn’t qualify. This is an older chart, and in fact credit scores have since worsened. So why the buying frenzy? Simple, it is an investors game with more investors competing to consolidate their portfolios – and this is all market activity heating up the DJIA to boiling point that involves trading by investors, not the general public – which means we are cooking the DOW up like a candy chef, and a boiling mercury-like melt up is indeed what we are now seeing in markets. A market melt-up is a bad sign for housing bubbles. If a candy chef were to heat up their candy too fast and too hard their thermometer would just explode. That is the volatility we are seeing in markets. Trump’s election did cause a sweet little rally and historic highs catapulting the DJIA over 21k for the first time in American history, yet a new President historically causes market rallies – and that cannot be relied upon as any indicator that we aren’t in a dangerous bubble.

For my case study presented here on credit VS rentals, I researched longtime property management corporations in the Orange County region in Q2 2016. It contains the main players in the property management firm business – that is, most listings managed by an apartment complex or building manager who acts as a leasing agent in the interim are unavailable to those with a credit score beneath 640. The available complexes in this same region, including low income housing require a credit score of 600-680 depending on the location, amenities, and whether the property in question is classified as a luxury rental. In some cases, only the top credit and earnings would qualify to buy a one year lease term. If the apartment market is now catering only to the top credit bracket with sufficient income, or less than 30% of a given area, we’re in deep trouble. I also think the investors who made this the new normal need to be sent away to prison for a very long time, because this new normal isn’t accessible by the majority and never will be. We are a nation founded on majority vote, not minority elite oppression. This literally means there is fraud present at this level – because projected leases signed by tenants in that credit bracket on the market with credit above 650 just do not exist in the numbers needed to fill all these investment properties that have been consolidated into the hands of very few large national corporations.

If the average property manager or apartment leasing corporation in Orange County by my research won’t work with any credit scores below 640, that means that at least 30% and up to 61% of people living in the US depending on region and property rental market competition cannot qualify to rent anywhere based upon credit, regardless of income, depending on the minimum credit ranking required. The lowest quoted score I heard after calling nearly every leasing agent in the whole of Orange County, CA was 620. The most common credit score rating is somewhere in the mid 600’s meaning we need to restore the laws where using credit to refuse or deny housing was illegal like pre-2008. If we change this, the LFPR will tick up. Lenders may think that people who don’t pay rent might be better off when applying for a mortgage, but the reality is that people forced to live in motels or RV parks are spending far more money than people who have a current lease, and are in no position to purchase a home even if their incomes might qualify them to do so. In some instances, lending scores for low-income first time FHA home buyers are lower than the scores mandated by property leasing agencies. This presents a real problem, because without a rental, there is no ground to stand upon for young Americans to hold down any type of employment without great difficulty. This is what pre-2008 credit lending standards look like:

Go flip through your local property rental listings using this score and see how far you get. You’ll probably get hung up on and ignored. Want to buy a house at 680? Not a chance. Realtors will not even talk to you – in fact, things are so bad that they know if anyone in town can afford to let from them, and I found that many leasing agencies and apartment complexes with vacancies in my search had their doors locked during business hours. No one was home, and the majority of the building tenants obviously received section 8 and lived in an overcrowded, communist, multiple family shared housing situation – illegal in those jurisdictions, yet rampant because black market tenancies were the only thing on the market these people could buy. In those buildings, it seemed unreal that a person who had actual earned money to pay the rent was calling to be shown around.

To me, this is why we are seeing so much civil unrest and why it seems to be ever increasing despite massive arrests being made. These people simply have no where to go. If they landed their dream job tomorrow or went to college to learn something and looked for housing, they would inevitably fail. This is absolutely unacceptable. Housing is a need, not a want. People are dying of exposure and committing suicide as well as dying from hunger at all time highs, and the rental and housing crisis is to blame. DOW 20 thou is not going to make this problem going away and neither will higher wages or lax lending standards. The fact is, rental housing has become out of reach for over 1/3 of Americans.

Of course these investors will end up insolvent – it is only a matter of time when the projected market does not exist. Without the minimum rental market credit rating, you are potentially homeless even if you work on salary overtime with a college degree with no student loan payments. That could be up to 20% of millennial workers that are or at risk of being or becoming homeless as their parents begin to die. How at risk is our labor force if the number of people whose living situation is precarious could gut the LFPR down to below 40% if the housing crisis worsens and the ballooning bubble blows? How much will rents and home prices devalue? How much attrition will snowball into a real problem of ‘I can hire half of the population to destroy the unemployed half of the population’? In reality, we would see a civil war zone long before that statistical imbalance became 50/50. No one until now has ever been stupid enough to risk such a scenario. We get to talk here about ‘LFPR attrition’ because of the fact that we are a developed 1st world nation. In third world nations, talks of attrition are literal – because people are going hungry – and shelter is not commonplace, because starvation is the biggest threat.

All these doomsday talks on financial websites like ZeroHedge and WND of collapse and pessimistic forecast warnings may sound like a magic salve to lower rents. But its a trap, because those foreclosed buildings will not be up for rent or for sale anytime soon after their investor owners fail financially – and they are insolvent in a scary number of cases and no one is saying a thing. This sounds like potential script written for societal collapse to me. We know that financial terrorists affiliated with ISIS, End The Fed, MS13 and the Secessionists for Socialism would absolutely place that game plan into play. We need to stop thinking this ‘might’ be happening and accept that it has already happened, only then can we force the Fed and the POTUS to take it back from them by force and return it to us.

The young professional people of our workforce are locked in a never ending game of Prisoner’s Dilemma. They cannot get their own leases, and if they try, the shady investors go and buy out all the available leases in that area – only to turn around and ‘flip’ the lease, mark up the rent, sometimes by $200-$300 per month every year for spaces the size of a closet above the market rate. Simultaneously doing this across the board. Ever relocated to a new area and a new job after being priced out your last place just to find that rent begins to climb $100 a month before you even arrive, and exceeds your new wage requirements before you even have enough pay stubs to qualify? Me too! This isn’t a normal market phenomenon – it means there is artificial real estate price fixing, and if you look at surrounding rural area land prices in the mountains or inland from coastal cities, their prices are actually lower than what landowners were asking in 2008. Go back into the major investment hot zones even 20-30 miles away, though, closer to work locations, and you will see an exponential increase in the price of land that is unusable. This is also a symptom of a fixed real estate market – location limited bubbles.

Los Angeles, one of our nation’s more compacted real estate markets, now has 30% of its housing inventory owned by corporate investors. 30% and that is old data, not 2017 data. That is a literal 1/3 slice of the housing you may have seen in the city of L.A. If even a fraction of that investor bubble burst, it literally means that huge parts of cities would go dark; literal dead zones within a city – up to 1/3 of available rent-able or purchasable real estate would become unattainable to the general public markets overnight. Imagine 1/3 of the major tourism hub of the West Coast boarded up because of insolvent investors who are under no legal obligation to inform anybody they have become insolvent. We see this is exaggerating investment flipping and property turnover much as it did in the last bubble, yet with an added consequence: 1 or 2 investors being levied by the IRS who own a measurable percentage of the cities housing didn’t control 30% of the market inventory prior to 2008. Because that inventory is consolidated, there is an even greater risk. In beach cities further from these bustling hubs, in some of the photos posted in my last article you can see entire ports are shuttered. These ports have been purchased by investors – who are literally leaving them to rot because no one can afford their projected rents, and many of those who do who really need the rentals that these firms own on the residential end lack the credit minimums set around 620-640 by large multi national property management firms and the deals have stagnated because of this. Development by these firms continues, with a seemingly unending supply of investors and new money, and yet these crook investors are free to travel around in search of new city councils to pitch their investment development deals to – even though they still haven’t done what was promised in the other cities they are playing property flip games in.Because these are privatized investor firms closely resembling shadow banks and lenders, they are not controlled by the Fed and many investments are all-cash buys of foreclosed or at risk real estate. There is no way to stop these predatory investment deals with other cities unless we find a way to prosecute.



This is a crime to our communities, especially considering these same investors have already bilked the city councils and the officials of other cities, making investors promises they cannot keep. The promises of a racketeering enterprise, one that is intended to be later used as a weapon to secede, socialize, and overthrow the Federal government. Sedition. Imprisonment is in order. Yet these investors continue their world tour, picking up other potential investors along the way that they plan to prey on – some of them no more than college students with well off parents, those that stand to inherit are being groomed by crooks who want to usurp our national authority and strip away our US citizenship in favor of anarchy and ruin. Never in history has any group of people with this much money, influence and control over our markets and politics been able to strongarm even our own government into submission since we declared our Independence from Britian. Why is no one in prison? Simple, a good explanation is that is could be triple dip officials themselves doing the bad investing. To landlords, it is a rigged up Ponzi scheme legalized by the Fed created to extort via ever rising rents, with no caps on how much they can charge. We really haven’t needed laws to protect against such exploitative practices until now.



Median household income for the country as a whole has decreased by $5000 per year since the housing bubble burst, yet the charts used in this article verifies that housing is getting more expensive, despite no evidence that a target consumer market exists to absorb investor spending in investment real estate and no indication that incomes and earnings will ever rise to meet that projected margin. Investors in a boardroom don’t realize the well of other people’s money is near dry, and only those at the top enjoying the vast DJIA winnings of the current inflationary lottery will be playing.Then again, maybe they do realize it – and they just don’t care because their bank account looks too darn good. In my sector as a budding accounting low level peon working on getting my E.A., it is basic sacrilege for me to even go on and on about this.I was warned by my CEO firm owner parents to please stop my diatribe about this and not worry anymore over projecting, to keep on going – yet it keeps me going.



I am not a financial analyst, and my Wall Street bankster betters with their CPA or EA would probably silence my voice if they could. In my mind, if I were a prospective client, the last person I would want doing my taxes is a Wall Street salesman, a banker, or an investment property manager. That is sort of like asking a lawyer for the IRS to defend your audit. Its predatory and its also overkill. Staffing firms are consolidating mega-businesses like these nevertheless. Veritable Wal-Marts for the service sector, they are not in the best interest of the public and they pay the new graduate lawyers and CPA candidates peanuts on the dollar, knowing they have thousand dollar a month student loan payments that must be made or the IRS comes to collect. Again, usury. Add insult to injury that the same investors I speak of have ties these global staff agencies, and they are funded by people like Buffet and Soros. They funded the liberal agenda, and they are funding civil unrest and artificial market inflation. It is in their hands when the key piece of the Jenga puzzle is finally withdrawn and collapses the remainder of the blocks mounted atop one another.



Stay tuned for Part 2 of this in depth discussion, and thanks as always for reading.