Trump ‘taking steps’ to ban corporate home purchases Real Estate Snapshot 🦅 🌎 ⚓️

 

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Trump ‘taking steps’ to ban corporate home purchases
Climate anxiety and insurance costs to define 2026 housing market, report finds
PROBATE AND ESTATE SALES 
REO of the Week 
Apple Home of the Week 
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Wednesday Real Estate Snapshot 🦅 🌎 ⚓️

Climate anxiety and insurance costs to define 2026 housing market, report finds

 Let's get going here real quick. Climate anxiety and insurance cost to define the 2026 housing market says a report. Soaring insurance premiums, et cetera. 

Homeownership Trends and Insurance Premiums

The 2026 home ownership trends report based on a survey of a thousand homeowners, which isn't a ton, but here's the problem.

Homeowners are balking at the idea of increased home insurance in California. We already understand that's a problem in Florida. They know that's a problem, but there's people that are fleeing different parts of the country saying, I'm done with, The hot desert area like New Mexico and Arizona and Texas, and they're moving back to California.

Same thing with Florida from New York and New Jersey and Pennsylvania and all those areas are still saying, you know what, Florida, I know it's gonna be more expensive. I understand that it's okay. 

Now, understand that this is a propaganda piece and it's probably from the insurance company, right? Insurance premiums alone jumped 24%. That's across the United States. I know it went a lot higher in California. Nearly 80% of homeowners expect it to continue in 2026. What are we to do? Regulations call it for politicians state your argument saying, Hey look, this is not sustainable.

We need to figure this insurance problem out, period. And I talk about the fire map and if you're buying a house in the country or in the mountains or the hills and in the fire zone, you're gonna be paying fair plans. So be careful of that. The options are there. You just have to be educated and you have to know what you want and move forward with it. If you're okay paying fair plan, then that's what you get, right? 

Interest Rates and Home Prices

Despite interest rate cuts by the federal. Reserve a disconnect remains between the homeowner expectations and economic forecast.

While 32% of respondents believe mortgage rates will meaningfully drop, 74% indicated they would need rates to fall below 5% to consider buying a new home. And that's true because prices have contracted but not to 2020. 2021 numbers. 80% of homeowners expect home prices to increase in 2026. This last year we saw 6.7% increase overall across the county. So that's just something to keep in mind. There's still demand, not as much as it was, but we also don't have the supply that we had. the supply is still way lower than the demand, 

Probate and Estate Sales

So if you wanna read about it, the links in my bio, in my blog, probate and Estate Sales. We're doing these, I'm talking to a bunch of people about getting their house ready to sell, and we have contractors that take your old stuff and put 'em on auction, get rid of 'em, take 'em to Goodwill or wherever But it's a whole process and it's an extra couple steps for you. And if you do it yourself, it's gonna take you time, energy, and money that you. Should be focused on your family and taking care of work and all that stuff. So we specialize in it. Let me know if you have any questions. 

Trump ‘taking steps’ to ban corporate home purchases

Corporate Home Purchases and Investor Impact

Trump just announced today, taking steps to ban corporate home purchases.

Corporate America, the man screwing over the renters, yes, that's true for the most part, but for the most part, it's mom and pop investors who bought a house, let's say in 2021 at 3% interest. And they said, this isn't my forever home. And then they buy another home.

They rent that other house out. That's the majority of the renters. However, this ban on institutional investors now, he doesn't have The power to do it. He has to ask Congress to help out and create the laws to make this happen. But anybody with any corporation with over a thousand homes needs to, offload some of those homes.

That's the potential plan. It's not in law yet, but understand that will release some supply. How much? Probably not a lot. Let's figure this out. I saw this number here, one in three homes purchased by investors, the broader investor segment, which includes home flippers and small time landlords.

Mom and pops represent a growing share of buyers in a sluggish housing market. Absolutely. If prices are contracting, it's a great time for investors to buy, even with that growth. However, a separate report from Batch Data found the mega investors with over a thousand properties hold just 2.1% of the investor owned inventory.

That means there's a huge amount of small and medium sized homeowners or investors that own more than one house. Brutality has reported similar numbers with 29% of single family home purchases last June coming from investors. That's crazy when you think about it, but here's the thing, if you need to offload your house and it's not selling for what you think, let's talk to some investors.

When I talk about probate. I always call out my probate and on my investor list, I have a huge list of investors and I say, here you go. Here's the address. Come take a look. Gimme your best bet. And 95% of the times we don't take the offer, but at least we have offers in hand, and that gives us a little bit more leverage.

REO of the Week 

Bank owned property of the week, saddle Rack Street number 2 34. Not my listing. This is bank owned. 515,000 for a one bedroom, one bath, 790 square foot condo. But you're downtown. You're close to downtown. It's newer.

That's a good thing. And you have a pool that you get to pay for. We're gonna take a look at the HOAs real quick. So this looks like it was built in the early two thousands. It's a nice little weight room. on market. 51 days. Wax course 85. Now look, this is a great place 'cause this is between Meridian and race.

It's where Saddle Rack, the bar Honky used to be. Big huge condominium complex, and you're right near San Carlos and Valley Fair is over there, so it's centrally located. It's a nice place to be. However, you're paying $660 a month for the HOA, not a fan of that. That's my argument against HOAs. HOAs, I think have to be regulated.

I think it's gotta be something that we the government comes in and says, okay, this is where you are. You need to show us why those rates are so high. The HOA rates, if it's anything over 300, it's outta control. And that's just my opinion. 

And if you want to know where it is. It's not walking distance to Castro Street, just so you know, but it is close to Shoreline. It's close to Facebook and LinkedIn and all that, so maybe a good possibility. This looks like it was flipped. Yep. Definitely looks, smells, and tastes like a flip. Not bad looking.

If you're interested in looking, let me know. Set up a time for it to buy. This has been on market 88 days. I think we can get a steal on this one. Yeah, let's see.

Homes on market 90 days. You can check a whole bunch of them. Omaira right here. Three bedroom, two bath, tons of 'em here. A lot of great opportunities for you.  

Market Recap and Predictions

Now here's a real quick recap of 2025. You saw the numbers started ticking down, and now we're January 7th, so the numbers are going to start ticking back up.

Because that's the way the market runs. I think March, April, may is gonna be our season. I already have a listing. I'm gonna go visit them on Saturday. I think they want to get it on market as quickly as possible because they have a job relocation. That's the kind of supply that we're talking about, right?

Santa Clara County for sale, pending seven days. Everything's chunked down. And then we have a massive drop of homes for sale. So you go from. Santa Clara County Homes for Sale. We started with 670. Our average this year was a thousand. We need to be at a 2000 to make it a balanced market. And we're at 567.

Same thing with San Jose. 276. for sale, we had an average of 500, and last year we ended up with 306 meaning. Inventory's going down, the demand's not going down. The demand is still there. We had 27 closings four weeks ago, and we had 24 homes go back on market. Not last week, but in totality. So that number's shrinking as well. For sale in Santa Clara, it was 5 76. We had 36 houses go pending and 65 closed. That was from four weeks ago. We had 52 back on market.

seven houses withdrawal. Drew 59 expired and 20 canceled. In the beginning of the year, everything gets a refresh. Everything gets renewed, just the way things are, so there you go. All right. 

Conclusion and Final Thoughts

That's it for now. Thanks for watching. 

🔴 Insurance Adjuster What You Should Know https://youtu.be/8IWgof1qvnc

🔴 Renters losing MORE than Rent! (Bay Area Median Home Prices) https://youtu.be/VwLrwX2YuHo?t=41
🔴 MoonBeans Coffee https://www.youtube.com/watch?v=OmHpGXVu5sQ&feature=youtu.be
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Vito Scarnecchia
Real Estate Broker, Veteran, Dad
DRE#: 01407676
408-479-2427
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🔴 Willow Glen's five most expensive homes https://youtu.be/3A_E2ck0ePg


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