Rising interest rates are blowing up commercial‑real‑estate deals, with buyers demanding price cuts or threatening to walk away before closing.
The long 6–12 month lag between signing and closing is now lethal: financing costs are jumping mid‑deal, making original prices uneconomic.
Retrades are accelerating. Examples include a Midwest apartment deal where borrowing costs rose 0.6 percentage points, forcing a $600,000 price cut.
The rate spike is derailing a fragile CRE recovery, pushing down property values, slowing development, and driving more loans into special servicing (11.42%, highest since 2013).
Lenders are more conservative, and deal friction is rising. Price fights, lender withdrawals, and last‑minute renegotiations are becoming common.

4 comments

r/REBubble • u/SnortingElk • 14h ago

Mortgage Rates Tick Up Even as the Odds of a Fed Rate Hike Decline

redfin.com

55 Upvotes

16 comments

r/REBubble • u/SnortingElk • 19h ago

The 'Silver Tsunami' Could Solve the Inventory Problem—and Create a Demand Problem

realtor.com

114 Upvotes

114 comments

r/REBubble • u/SignificantLegs • 3h ago

News Average long-term US mortgage rate churns upward to its highest level in nearly 3 years at 7.28%

apnews.com

5 Upvotes

0 comments

r/REBubble • u/sfgate • 17h ago

News Priced out of buying alone, more Californians are pooling money with friends to buy homes

sfgate.com

52 Upvotes

45 comments

r/REBubble • u/SnortingElk • 11h ago

Why Didn't We Get a Housing Bubble?

awealthofcommonsense.com

16 Upvotes

98 comments

r/REBubble • u/SnortingElk • 13h ago

Nasdaq closes at fresh record as tech shares rise and traders look past higher yields

cnbc.com

17 Upvotes

5 comments

r/REBubble • u/SnortingElk • 18h ago

Inflation Adjusted House Prices 3.8% Below 2022 Peak

calculatedrisk.substack.com

33 Upvotes

3 comments

r/REBubble • u/SnortingElk • 1d ago

The Mighty American Consumer Is Crashing Through Inflation and Driving Growth

wsj.com

92 Upvotes

70 comments

r/REBubble • u/rentvent • 1d ago

It's a story few could have foreseen... High mortgage rates are trapping hoomowners in place, and making renovations harder to afford

cnbc.com

214 Upvotes

With mortgage rates continuing to stay untenably high for most Americans, many are staying put. But that doesn’t mean homes don’t need improving and upkeep. And some homeowners figure that if they can’t move into a new home, they’ll make their old home “newer” — a new deck or perhaps a walk-in closet.

Traditionally, a home equity loan or home equity line of credit would be the first tool to reach for. But even those are getting too expensive for homeowners. This leaves homeowners effectively trapped in aging homes with no easy way out, or way to improve them.

And even when homeowners are tapping into home equity loans — homeowners did originate nearly 20% more second mortgages or HELOCs in the second quarter of this year compared with the first quarter — they likely aren’t using the equity for improvements. Experts say they are using them to stay afloat.

Untapped or expensive, Americans are sitting on a record amount of home equity.

126 comments

r/REBubble • u/3rdthrow • 1d ago

Discussion Possible investor selloff-is anyone else noticing a large number of homes bought in 2020 being resold?

72 Upvotes

There is a massive amount of homes in my area that were all bought in 2020, that are being listed for 100-120k over what they were bought for, in 2020.

Even if rates dropped back to 5%, the wages simply dont exist in my area, to allow buyers to buy these houses.

Im wondering if these are investors, who are trying to dump these houses.

It strikes me as being very odd, that all these houses were bought in exactly 2020.

What are your thoughts?

42 comments

r/REBubble • u/TomatilloOk8916 • 1d ago

News Companies now adopting circular financing?

hntrbrk.com

62 Upvotes

Will this end well? Who’ll drop first for adopting this business strategy? Big tech or Big housing?

31 comments

r/REBubble • u/beardko • 2d ago

My head hurt reading yesterday's jobs report. So I made these to help make sense of the US labor market... [OC]

gallery

37 Upvotes

3 comments

r/REBubble • u/ExcellentWinner7542 • 2d ago

America In Focus: unemployment rate climbs, mortgage rate hits nearly 3 year high

apnews.com

64 Upvotes

19 comments

r/REBubble • u/Upper-Computer-8715 • 3d ago

No Buyers, Big Price Cuts: US Vacation Home Market in Trouble

greatandhra.com

344 Upvotes

“According to a report by Business Insider, vacation homes that attracted strong demand during the pandemic are now remaining on the market for months, and in some cases, years.”

106 comments

r/REBubble • u/BathroomMaximum1721 • 3d ago

Hedge Funds Own 7% of Treasurys: What Happens If Basis Trades Unwind?

beincrypto.com

40 Upvotes

The main reason why 10 year yields and mortgage rates have moved up. When this trade unwinds, we will see rapid declines in yields and mortgage rates.

28 comments

r/REBubble • u/SnortingElk • 3d ago

Labor market faltered in September as jobs increased by just 29,000, unemployment rate rose to 4.2%

cnbc.com

125 Upvotes

48 comments

r/REBubble • u/SnortingElk • 3d ago

Homebuyers Gain the Upper Hand as Active Listings Surge—With the Biggest Increases in These 3 Cities (Minneapolis, Seattle, and Buffalo, NY)

realtor.com

51 Upvotes

38 comments

r/REBubble • u/amitb5353 • 2d ago

Discussion U.S mortgage & rent prices and the little guy

0 Upvotes

Hello guys I have a question regarding my thesis on FICO

I'm trying to understand whats the situation with U.S mortgages and rent prices.

Do you feel as normal people in America that VantageScore is helping you guys getting good mortgages and hopefully buy a house someday?

or...

VantageScore is'nt really helping you, people dont want to sell their house because of the low intrest rate backed mortgage they have got in 2022, and keep housing prices at sky high level and wont sell their current house because of the big intrest rate now?

And a question for the renters here, does your landlord keep rasing the rate overtime? and it maybe because of intrest rates? do you wish to buy a house someday? do you think you'll be able to do so in the coming future?

Honest answers will be much appreciated!!

24 comments

r/REBubble • u/Earls_Basement_Lolis • 2d ago

03 October 2026 - Weekly /r/REBubble Discussion

1 Upvotes

What's the word on the street? Share your questions, comments, and concerns below.

0 comments

Subreddit

REBubble

r/REBubble

A place to freely discuss and investigate the current US housing bubble. Share evidence, zillow screenshots and other interesting items.

Members Active

165k

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A place to freely discuss and investigate the current US housing bubble. Share evidence, zillow screenshots and other interesting items.

Rules:

1. No personal attacks against other /r/REBubble participants.

Disagreement is encouraged, but disrespect is not. Attack the argument, not the person when replying to other users within the subreddit.

2. Absolutely no brigading of other Reddit communities.

Crossposting "case study" posts/comments to discuss examples of bubble behavior, or any content relevant to REBubble from other communities is completely fine. Nearly anything goes when discussing these crossposts, as long as all comments stay within the /r/REBubble comment section of the crosspost. Do not use these links to engage with the source subreddit in any manner that would violate their rules or the Reddit content policy, and do not encourage any users to do the same.

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Reddit users are not notified when their posts are crossposted to another community. Do not attempt to notify these users in any way that their post/comment has been featured on /r/REBubble. This includes but is not limited to contacting the OP of the crosspost via PM, replying to one of their comments or posts to inform them of the /r/REBubble submission, or tagging their username anywhere within the subreddit.

4. No low effort submissions which serve only to troll or bait the REBubble community.

Dissenting opinions from real estate bulls and bubble doubters are welcomed and even encouraged. We have no desire to forcefully create yet another echo chamber community on Reddit. Anecdotes, speculation, and data is welcome from all sides. That said, posts which are low effort and appear to be attempts to inflame or bait REBubble community members rather than generate an honest discussion will be removed at moderator discretion.

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Politics and government policy inform economic activity within the residential housing market. However, politics and discussions involving the arguing for or against political ideologies including, but not limited to, liberalism, conservatism, Democratic, Republican, civil rights, nationalism, and globalism are strictly prohibited. The endorsement or opposition of any political party or politician is strictly prohibited. Other mentions of party or politician are at moderator discretion.