# ![@m3_melody Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1365712284551696385.png) @m3_melody Melody Wright

Melody Wright posts on X about in the, market, insurance, for the the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::1365712284551696385/interactions)
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- [--] Week [-------] +36%
- [--] Month [-------] -54%
- [--] Months [---------] -2.40%
- [--] Year [----------] +65%

### Mentions: [--] [#](/creator/twitter::1365712284551696385/posts_active)
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- [--] Week [--] +6.50%
- [--] Month [---] +1.50%
- [--] Months [---] +59%
- [--] Year [-----] +62%

### Followers: [------] [#](/creator/twitter::1365712284551696385/followers)
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- [--] Week [------] +0.08%
- [--] Month [------] +0.38%
- [--] Months [------] +20%
- [--] Year [------] +52%

### CreatorRank: [-------] [#](/creator/twitter::1365712284551696385/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1365712284551696385/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  31.33% [stocks](/list/stocks)  4% [countries](/list/countries)  2% [technology brands](/list/technology-brands)  2% [financial services](/list/financial-services)  1.33%

**Social topic influence**
[in the](/topic/in-the) 18%, [market](/topic/market) 9.33%, [insurance](/topic/insurance) 7.33%, [for the](/topic/for-the) 6.67%, [housing market](/topic/housing-market) 6%, [to the](/topic/to-the) 5.33%, [folks](/topic/folks) 4.67%, [country](/topic/country) 4.67%, [for sale](/topic/for-sale) 4%, [inventory](/topic/inventory) 4%

**Top accounts mentioned or mentioned by**
[@m3melody](/creator/undefined) [@dapstats](/creator/undefined) [@dimartinobooth](/creator/undefined) [@johncomiskey77](/creator/undefined) [@milkroadmacro](/creator/undefined) [@soberlook](/creator/undefined) [@icemortgagetech](/creator/undefined) [@lars57360069](/creator/undefined) [@vladtheinflator](/creator/undefined) [@gueswat](/creator/undefined) [@bbm010](/creator/undefined) [@tonybennet42429](/creator/undefined) [@mortconsumcoach](/creator/undefined) [@roots_n_reason](/creator/undefined) [@jonbrooks](/creator/undefined) [@unicusresearch](/creator/undefined) [@rmsgarey](/creator/undefined) [@cyqotek](/creator/undefined) [@danrxwoundcare1](/creator/undefined) [@pastamanv_mises](/creator/undefined)
### Top Social Posts
Top posts by engagements in the last [--] hours

""The private credit boom that followed the [----] regional banking crisis has fundamentally reshaped real estate finance with non-bank lenders capturing market share that traditional institutions show little appetite to reclaim" And many of them don't report to credit Private Lenders Were the New Kings of Real Estate Finance - Until Defaults Started Piling Up The distress signals are unmistakable and accelerating. Foreclosure filings on private construction loans surged 82% nationally between [----] and [----] with default rates in certain https://t.co/UwcHJtUWgs Private Lenders Were the New Kings"  
[X Link](https://x.com/m3_melody/status/2021263845356978243)  2026-02-10T16:43Z 44.7K followers, 28.5K engagements


"@SenWarren If you forced the agencies to go after non-occupancy fraud I bet you would find a lot of your missing housing"  
[X Link](https://x.com/anyuser/status/1744859017074372742)  2024-01-09T23:09Z 44.7K followers, 19.1K engagements


""In [----] private credit groups including the likes of KKR Blue Owl and Sixth Street either purchased or struck so-called forward flow agreements to purchase $136B of consumer loans.that number compared with just $10B in the previous year" cc: @Adam__Josephson who is quoted"  
[X Link](https://x.com/m3_melody/status/2003461275351957514)  2025-12-23T13:42Z 44.6K followers, [----] engagements


"@AppliedNeuro @cchpmn1011 @DiMartinoBooth Inventory always goes down in the winter but there is plenty in Atlanta Realtor on the L (largely used homes) and New Homes on the R"  
[X Link](https://x.com/m3_melody/status/2009737814741496022)  2026-01-09T21:23Z 44.6K followers, [----] engagements


"What is going on here A question we ask ourselves daily in East TN and WNC after the Helene destruction Highway signs still upside down or blown over15 months later Yep. The economy is awesome 😉 And a storm on the way Don't Move to Cleveland (Unless)(CLIP)- Luke Gromen My conversation with @LukeGromen is now up on substack. Please consider becoming a paid subscriber to watch the full conversation. LINK IN THE COMMENTS: https://t.co/SPSS6JuaFJ Don't Move to Cleveland (Unless)(CLIP)- Luke Gromen My conversation with @LukeGromen is now up on substack. Please consider becoming a paid subscriber"  
[X Link](https://x.com/m3_melody/status/2014318410813874232)  2026-01-22T12:45Z 44.6K followers, 10.6K engagements


"Every day since I wrote my article in January [----] challenging the inventory myth and @RudyHavenstein first sent me the chart @jonbrooks recently shared someone has told me we don't have enough inventory so prices will remain high In Dec per Redfin of the [--] cities I track Everyone keeps saying America has a housing shortage. It doesnt. Divide total homes by population and you get this: Weve never had more housing per person than we do right now. The problem isnt supply. Its prices. https://t.co/KS9iIPyGXs Everyone keeps saying America has a housing shortage. It doesnt. Divide total homes by"  
[X Link](https://x.com/m3_melody/status/2017690127460356596)  2026-01-31T20:03Z 44.7K followers, 63.3K engagements


"@Bmmoody So I spent [--] months in a non-QM shop while helping them create a technology that would have done solid short-term rental underwriting.the conversations I heard on what would be accepted for DTI etc. made me ill That non-QM DTI is lower than conforming (agency) is hilarious"  
[X Link](https://x.com/m3_melody/status/2017705091793391674)  2026-01-31T21:02Z 44.6K followers, [---] engagements


"@BTCDadThoughts Those PE passthroughs are getting less hungry Private credit also getting really burned on those credit scores that were artificially inflated"  
[X Link](https://x.com/m3_melody/status/2017708245922574577)  2026-01-31T21:15Z 44.6K followers, [---] engagements


"@jonbrooks Like all the big players they are getting in at this late stage of the cycle (smh) It's how it always goes though"  
[X Link](https://x.com/m3_melody/status/2017710521261216097)  2026-01-31T21:24Z 44.6K followers, [---] engagements


"SASB=single asset single borrower CMBS After spending almost [--] years unwinding ill-conceived securitizations I call BS on the recent explosion of this asset class Surely they did their due diligence you say I say "Don't call me Shirley" Check out my latest @UnicusResearch 🚨 [----] private-label CMBS issuance rose about 21% to roughly $126B. SASB was nearly three-quarters of [----] private-label CMBS issuance (excluding CLOs) and office was nearly a quarter of the collateral. Article access below👇 https://t.co/sqj9VbXxr3 🚨 [----] private-label CMBS issuance rose about 21% to roughly $126B. SASB"  
[X Link](https://x.com/m3_melody/status/2017994776511991905)  2026-02-01T16:13Z 44.6K followers, 17.9K engagements


"Campaign promises plausible deniability and a media blitz for the ages. Goodbye January 2026with not much hope for calm in the near term + a deep dive into Tampa http://m3melody.substack.com/p/read-my-lips http://m3melody.substack.com/p/read-my-lips"  
[X Link](https://x.com/m3_melody/status/2018117093598613683)  2026-02-02T00:19Z 44.7K followers, 16.9K engagements


"Exactly - this trend is/was concerning As the last admin knew. The FHA loss mitigation program put into place in [----] stanched the bleeding but now that the new guardrails have been put in serious delinquency will rise from here A lot of those EPDs were also pure fraud @m3_melody @AdvisorJohn This next graph gives us a [--] year look at EPDs. If everything is fine with housing FHA Early Payment Defaults would not be as high as.2006. EPD means the loan closed and no payment was made OR the borrower defaulted within the first [--] months of the loan closing. https://t.co/e1AON8HdGv @m3_melody"  
[X Link](https://x.com/m3_melody/status/2018370835967316186)  2026-02-02T17:08Z 44.7K followers, 32.5K engagements


"@midasasayer Loan officers were coaching investors that they wouldnt have to pay really ever if you were a fix and flipper. Didnt pay for six months Get a partial claim and put the balance at the back of the loan in a non interest bearing lien. Couldnt pay for another [--] Do it again"  
[X Link](https://x.com/m3_melody/status/2018689561551892793)  2026-02-03T14:14Z 44.7K followers, [---] engagements


"Its been a seriously few crazy days here in East TN. I often dont know what Im feeling until later but this was a bit of a scare. There is always beauty though. Always"  
[X Link](https://x.com/m3_melody/status/2019113820854358281)  2026-02-04T18:20Z 44.6K followers, 11.4K engagements


"What do these cities have in common Lots and lots of new builds heavy presence of institutional investors.and lots and lots of Mom-and-Pop investors Home prices went to the moon & existing home owners became confident they could sell without doing repairs They are learning"  
[X Link](https://x.com/m3_melody/status/2020170169742705149)  2026-02-07T16:17Z 44.7K followers, 38.5K engagements


"@SmithBrian8989 I just don't see what will save Las Vegas"  
[X Link](https://x.com/m3_melody/status/2020220454699458939)  2026-02-07T19:37Z 44.6K followers, [---] engagements


"@TimelessArie @jgpuck99 Just go to Redfin Data Center and plug in the city of your choice"  
[X Link](https://x.com/m3_melody/status/2020236829090566425)  2026-02-07T20:42Z 44.6K followers, [---] engagements


"And this is why I always say even the swanky areas will be impacted Lifestyles on Leverage.and Fraud A hedge fund manager who has been sued by his own mother over an unpaid mortgage he took out on her house has declared himself bankrupt just months after The Post exposed his wild spending spree in the south of France. Jason Ader a 59-year-old former activist investor who a https://t.co/PT2bkUrU4n A hedge fund manager who has been sued by his own mother over an unpaid mortgage he took out on her house has declared himself bankrupt just months after The Post exposed his wild spending spree in"  
[X Link](https://x.com/m3_melody/status/2020585241170309220)  2026-02-08T19:47Z 44.7K followers, 16.5K engagements


"Bingo @m3_melody We discovered that the ones with the Lambos and Ferraris are living month to month much of the time. @m3_melody We discovered that the ones with the Lambos and Ferraris are living month to month much of the time"  
[X Link](https://x.com/m3_melody/status/2020587428441178231)  2026-02-08T19:55Z 44.7K followers, 11.1K engagements


"@Lars57360069 San Diego is a perfect example of that Bunch of new million dollar shoeboxes that will be worth nothing"  
[X Link](https://x.com/m3_melody/status/2020600098292724130)  2026-02-08T20:46Z 44.6K followers, [--] engagements


"@PastamanV_Mises @Lars57360069 @texasrunnerDFW Thank you for that intel FYI @KennyCap_Phd"  
[X Link](https://x.com/m3_melody/status/2020607524513186058)  2026-02-08T21:15Z 44.6K followers, [--] engagements


"@Andrew87229442 A cabin. That's what I thought at first too The inside.oh boyeeeee https://www.realtor.com/realestateandhomes-detail/2881-Caughron-Mountain-Rd_Sevierville_TN_37876_M90029-09691cid=soc_shares_fs_ldp_Pri https://www.realtor.com/realestateandhomes-detail/2881-Caughron-Mountain-Rd_Sevierville_TN_37876_M90029-09691cid=soc_shares_fs_ldp_Pri"  
[X Link](https://x.com/m3_melody/status/2020610933098213804)  2026-02-08T21:29Z 44.6K followers, [----] engagements


"@BowTiedEsquire Agreed. Insane"  
[X Link](https://x.com/m3_melody/status/2020611033203921393)  2026-02-08T21:29Z 44.6K followers, [---] engagements


"@VladTheInflator The inside is so.extra https://www.realtor.com/realestateandhomes-detail/2881-Caughron-Mountain-Rd_Sevierville_TN_37876_M90029-09691cid=soc_shares_fs_ldp_Pri https://www.realtor.com/realestateandhomes-detail/2881-Caughron-Mountain-Rd_Sevierville_TN_37876_M90029-09691cid=soc_shares_fs_ldp_Pri"  
[X Link](https://x.com/m3_melody/status/2020612859328377266)  2026-02-08T21:37Z 44.6K followers, [----] engagements


"@GuesWat The first person bought for $70K and listed for over $300K the next month Speculation at its finest"  
[X Link](https://x.com/m3_melody/status/2020613230213636207)  2026-02-08T21:38Z 44.6K followers, [----] engagements


"@GuesWat Per the listing it was built in [----] and then renovated Listing could be wrong"  
[X Link](https://x.com/m3_melody/status/2020614681589862693)  2026-02-08T21:44Z 44.6K followers, [---] engagements


"@JimKittridge Yes - and I wonder how much those cost"  
[X Link](https://x.com/m3_melody/status/2020615708150018484)  2026-02-08T21:48Z 44.6K followers, [----] engagements


"@RMSGarey Right. I worked on a project where I was building an underwriting tool for STR When doing so I discovered Airdna shares "optimal" occupancy not actual as the default setting in the backend"  
[X Link](https://x.com/m3_melody/status/2020616007291957731)  2026-02-08T21:49Z 44.7K followers, [--] engagements


"@McmurphyP95009 Things are getting dicey under the hood all over the country CA inventory just exploded MOM (crypto rout) NE & Midwest holding on ok but I think that will soon change I will be reporting on every sign I see :)"  
[X Link](https://x.com/m3_melody/status/2020618168264442202)  2026-02-08T21:58Z 44.7K followers, [---] engagements


"@P_DiddyBarkio https://www.realtor.com/realestateandhomes-detail/2881-Caughron-Mountain-Rd_Sevierville_TN_37876_M90029-09691cid=soc_shares_fs_ldp_Pri https://www.realtor.com/realestateandhomes-detail/2881-Caughron-Mountain-Rd_Sevierville_TN_37876_M90029-09691cid=soc_shares_fs_ldp_Pri"  
[X Link](https://x.com/m3_melody/status/2020621740284797439)  2026-02-08T22:12Z 44.6K followers, [---] engagements


"@JoeNatiello @GuesWat Because I track the housing market and this is one of [--] markets I track specifically It indicates to me the sentiment - then and now"  
[X Link](https://x.com/m3_melody/status/2020622331287396686)  2026-02-08T22:14Z 44.6K followers, [--] engagements


"@Cross_and_Sabre Keep me posted on what you are seeing. Thank you"  
[X Link](https://x.com/m3_melody/status/2020872435877175336)  2026-02-09T14:48Z 44.7K followers, [--] engagements


"@KyleBea96359130 The markets they listed absolutely have those things in common They also have massive differences which is why I tour them study them and report on them The free version of my Substack contains a ton of good data"  
[X Link](https://x.com/m3_melody/status/2020873601491055003)  2026-02-09T14:53Z 44.7K followers, [----] engagements


"@walterkirn @mtaibbi As others have said this show was one of the only things keeping me sane The intellectualism and synergy were unparalleled. The commitment to neutrality by Matt heroic. The narrative focus by Walter necessary. The combo - life-changing. Carry the torch we must"  
[X Link](https://x.com/m3_melody/status/2020985013559292021)  2026-02-09T22:15Z 44.7K followers, [----] engagements


"@Roots_n_Reason @kristinbjornsen What I've found is some of these offers are fraud. If you find something spicy please let us know"  
[X Link](https://x.com/m3_melody/status/2020988986827899111)  2026-02-09T22:31Z 44.7K followers, [---] engagements


"This isn't your Covid forbearance - these are meant to be short-term solutions for those who are experiencing a temp hardship Guardrails went on for the overly generous FHA workout solution in Oct We will likely see a seasonal moderation of dlq w/ tax refunds and bonus Then 🧨 The forbearance rate is rising rapidly among stressed FHA borrowers with 56% of FHA mortgages that are 90+ days delinquent & under foreclosure protection now in forbearance the highest share in more than four years. cc @m3_melody @Johncomiskey77 @SoberLook @ICEMortgageTech https://t.co/wGaNKxUJSp The forbearance rate is"  
[X Link](https://x.com/m3_melody/status/2021218614578147705)  2026-02-10T13:44Z 44.7K followers, 19.3K engagements


"@OTCStockReview @DiMartinoBooth @Johncomiskey77 @SoberLook @ICEMortgageTech They cant cash flow at these current prices. Many have been net sellers or have sold to each other to prop up value Rent is negative YOY. They bought because rent was appreciating. That is no longer the case. Plus increases in taxes and insurance"  
[X Link](https://x.com/m3_melody/status/2021237828647080393)  2026-02-10T15:00Z 44.7K followers, 11.9K engagements


"@FredWoodard19 @DiMartinoBooth @Johncomiskey77 @SoberLook @ICEMortgageTech And what % of people own stocks"  
[X Link](https://x.com/m3_melody/status/2021262821783142542)  2026-02-10T16:39Z 44.7K followers, [----] engagements


"@MSR_661 Well John Burns did a survey that 6% of FHA rate locks were to foreign born I don't think anyone has done the analysis on the workouts"  
[X Link](https://x.com/m3_melody/status/2021264466655027554)  2026-02-10T16:46Z 44.7K followers, [---] engagements


"@joe_schlindwein @DiMartinoBooth @Johncomiskey77 @SoberLook @ICEMortgageTech You are thinking of the Partial Claim program. These are short-term forbearances meant for when someone loses their job etc. There is an entire array of options. That program was the most generous and most prone to fraud. Those guardrails will make a huge difference"  
[X Link](https://x.com/m3_melody/status/2021271255417081876)  2026-02-10T17:13Z 44.7K followers, [---] engagements


"💯 No one wants to hear my war stories from managing default (the wild pigs let loose and locked in will probably always take the cake even if it wasn't actually the worst) This is more pervasive than most know @m3_melody @DiMartinoBooth @OTCStockReview @Johncomiskey77 @SoberLook @ICEMortgageTech I was just sent a video of a home in the FHA program. [--] FHA subordinate liens filled. The owner has had no water or electricity for months. The realtor could barely breathe inside the place. Buying distressed notes has many problems and doing it randomly will not work. @m3_melody @DiMartinoBooth"  
[X Link](https://x.com/m3_melody/status/2021271801217605930)  2026-02-10T17:15Z 44.7K followers, 12.6K engagements


"@mrsunbubbles 🤣"  
[X Link](https://x.com/m3_melody/status/2021282518662594770)  2026-02-10T17:58Z 44.7K followers, [---] engagements


"@PastamanV_Mises Thank you. Some of my best poetry was when I had limitations such as having to only use certain words etc. My creativity is best when I have to overcome obstacles 🤣"  
[X Link](https://x.com/m3_melody/status/2021283141164453971)  2026-02-10T18:00Z 44.7K followers, [--] engagements


"@MSR_661 Correct. Here is Lance's version:"  
[X Link](https://x.com/m3_melody/status/2021283861607428560)  2026-02-10T18:03Z 44.7K followers, [--] engagements


"@psychodough @OTCStockReview @DiMartinoBooth @Johncomiskey77 @SoberLook @ICEMortgageTech I'm writing about some very interesting movements right now. I'm also working on my outlook but missing some key data on new home sales which we should get on Feb 20th. Stay tuned"  
[X Link](https://x.com/m3_melody/status/2021330149547913531)  2026-02-10T21:07Z 44.7K followers, [---] engagements


"@Johncomiskey77 @joe_schlindwein @DiMartinoBooth @SoberLook @ICEMortgageTech Correct on the servicer. I've been noodling this one all day - thus my q to you in email as I'm doing POE Some could be disaster forbearances - we will def see more of those for these winter storms. Trying to quantify. Feelers out"  
[X Link](https://x.com/m3_melody/status/2021353687097155941)  2026-02-10T22:40Z 44.7K followers, [---] engagements


"Yes indeedy @DiMartinoBooth @m3_melody @SoberLook @ICEMortgageTech Serious Delinquency Rate up 40% on the 7.1m/8.2m FHAs in MBS over the last [--] months. Remarkable what happens to that rate when "cures" through partial claims and loan mods are temporarily unavailable (PCs and mods must complete [--] trial payments first) @DiMartinoBooth @m3_melody @SoberLook @ICEMortgageTech Serious Delinquency Rate up 40% on the 7.1m/8.2m FHAs in MBS over the last [--] months. Remarkable what happens to that rate when "cures" through partial claims and loan mods are temporarily unavailable (PCs and mods must"  
[X Link](https://x.com/m3_melody/status/2021614347835912411)  2026-02-11T15:56Z 44.7K followers, 17.9K engagements


"@grok @JRussOfficial @DiMartinoBooth @Johncomiskey77 @SoberLook @ICEMortgageTech Because they had loss mitigation programs then as well. A lot of which have now been tapped out. If Covid hadn't hit when it did you would have increased foreclosures. It takes a lot of time to foreclose. I would encourage this oldy but goody video https://youtu.be/CYockM1NTRMsi=iaQcj5V2VjYRhJG8 https://youtu.be/CYockM1NTRMsi=iaQcj5V2VjYRhJG8"  
[X Link](https://x.com/m3_melody/status/2021615777204363264)  2026-02-11T16:02Z 44.7K followers, [---] engagements


"@Juan_L_Vicente That series is lagged. Every other series showed a re-acceleration of the slow down in Dec. But agreed - until prices correct and distress increases (which it is doing now) there will be a frozen housing market where the majority of participants are the top 10%"  
[X Link](https://x.com/m3_melody/status/2021920652228182390)  2026-02-12T12:13Z 44.7K followers, [----] engagements


"To me this is about two things: 1) If we are paying to protect ourselves for such events yet we can be denied without the provider following the law then what are we paying for 2) Think of all the 12-year olds and elderly out there who dont have someone to advocate for them .@AnthemBCBS_News @AnthemBCBS @NYDFS Anthem BCBS why are denying my [--] year old a procedure that will save his vision NY State insurance law requires a specialty peer to peer review and you continue to violate this law. #MedTwitter .@AnthemBCBS_News @AnthemBCBS @NYDFS Anthem BCBS why are denying my [--] year old a procedure"  
[X Link](https://x.com/m3_melody/status/2021924655775555911)  2026-02-12T12:29Z 44.7K followers, [----] engagements


"@TonyBennet42429 @JeffMortgagePro Yes - but it could have been folks proactively rescheduled closings Some areas were hit as soon as the 23rd But I think the storm was not the biggest factor for sure"  
[X Link](https://x.com/m3_melody/status/2021976226781704269)  2026-02-12T15:54Z 44.7K followers, [--] engagements


"@Beverly86811513 Yes - but it hit very late in the month. Also didn't impact our biggest housing market in the country It was a factor but not the only one"  
[X Link](https://x.com/m3_melody/status/2021976876131266821)  2026-02-12T15:57Z 44.7K followers, [---] engagements


"I just can't Before Airbnb went wild I was a frequent cabin renter in the Smokies.and always chose the one with the panoramic view Wouldn't rent this thing even if I was completely desperate"  
[X Link](https://x.com/m3_melody/status/2020609224481632387)  2026-02-08T21:22Z 44.7K followers, 36K engagements


"@CyQoTek @UnicusResearch @MacroEdgeRes @thejobchick Yes - Bloomberg blamed it on the "AI" trade Yeah right. Talking about it in my stack today"  
[X Link](https://x.com/m3_melody/status/2021997666960539918)  2026-02-12T17:19Z 44.7K followers, [--] engagements


"Creepy is most definitely not 😎cool😎 Record Office Delinquencies Quiet Ratings: Why Stability and "normalizing" are the Wrong Words The real estate crisis the media will barely acknowledge The sheer amount of vacancy out there is truly staggering. The fact that few of the cities are doing anything to https://t.co/VCBoDXLX1q Record Office Delinquencies Quiet Ratings: Why Stability and "normalizing" are the Wrong Words The real estate crisis the media will barely acknowledge The sheer amount of vacancy out there is truly staggering. The fact that few of the cities are doing anything to"  
[X Link](https://x.com/m3_melody/status/2022760689882783957)  2026-02-14T19:51Z 44.7K followers, 24.4K engagements


"@kshaughnessy2 Thank you"  
[X Link](https://x.com/m3_melody/status/2022760719515578778)  2026-02-14T19:51Z 44.7K followers, [----] engagements


"@RxPillMe @PBDsPodcast Foreclosures are definitely on the rise. I think they underestimate how long they can take but yes they are starting and the number will only rise from here We typically see a little improvement in the Spring which dissipates in June. Watching how we track this year"  
[X Link](https://x.com/m3_melody/status/2022761896747704493)  2026-02-14T19:56Z 44.7K followers, [--] engagements


"@JeffBaird66 Nothing matters until it does"  
[X Link](https://x.com/m3_melody/status/2022783397240717365)  2026-02-14T21:21Z 44.7K followers, [---] engagements


"Please share this post and do what you can to help Pauls son Blessed are the little children 🙏 .@AnthemBCBS_News @AnthemBCBS @NYDFS Anthem BCBS why are denying my [--] year old a procedure that will save his vision NY State insurance law requires a specialty peer to peer review and you continue to violate this law. #MedTwitter .@AnthemBCBS_News @AnthemBCBS @NYDFS Anthem BCBS why are denying my [--] year old a procedure that will save his vision NY State insurance law requires a specialty peer to peer review and you continue to violate this law. #MedTwitter"  
[X Link](https://x.com/m3_melody/status/2021911161139044611)  2026-02-12T11:36Z 44.7K followers, [----] engagements


"🚨Existing Home Sales Holy 🐄 Jan sales the lowest Jan on record since [----] except for [----] Non-seasonally adjusted -7.08% YoY and -35.55% MoM (avg decrease -27.41% from Dec to Jan) Price revised down last month; price in Jan below $400K at $396800 ❄def a factor but"  
[X Link](https://x.com/m3_melody/status/2021966516028379511)  2026-02-12T15:15Z 44.7K followers, 31.7K engagements


"❄Winter descended in January across many markets including housing What gives And which state (hint: not TX or FL) saw an absolute explosion in inventory non-seasonally MoM setting up for a turbulent Spring Nothing matters until it does http://m3melody.substack.com/p/until-it-does http://m3melody.substack.com/p/until-it-does"  
[X Link](https://x.com/m3_melody/status/2022322508691636430)  2026-02-13T14:50Z 44.7K followers, 14.1K engagements


"This change could better align capital requirements with actual risk support on-balance-sheet lending by banks and potentially reverse the trend of migration of mortgage activity to nonbanks over the past [--] years Bowman said. Link in the reply"  
[X Link](https://x.com/m3_melody/status/2023395686062899541)  2026-02-16T13:54Z 44.7K followers, [----] engagements


"This change could better align capital requirements with actual risk support on-balance-sheet lending by banks and potentially reverse the trend of migration of mortgage activity to nonbanks over the past [--] years Bowman said. Link in the reply"  
[X Link](https://x.com/m3_melody/status/2023395742581506494)  2026-02-16T13:55Z 44.7K followers, [----] engagements


"Winner winner chicken dinner Sevierville TN is now highest for days on market for M3 cities in May [---] days Of course this town of [-----] needed 6K Airbnbs (was 10K in Dec 2023) Of course"  
[X Link](https://x.com/anyuser/status/1941852341357175244)  2025-07-06T13:30Z 44.7K followers, 78.7K engagements


"Wouldnt it be funny if the natl emergency results in creating a program that forces PE to sell but really is meant to provide exit liquidity to PE by having govt become the buyer Then partner with grifter nonprofits to sell to folks below or at some % of poverty level 🤔 US Treasury Secretary Bessent: Trump may declare a national housing emergency this fall to address rising prices and dwindling supply - Washington Examiner Interview. US Treasury Secretary Bessent: Trump may declare a national housing emergency this fall to address rising prices and dwindling supply - Washington Examiner"  
[X Link](https://x.com/anyuser/status/1962596883001414050)  2025-09-01T19:22Z 44.7K followers, 108.6K engagements


"Jon has great boots-on-the ground knowledge of Jacksonville As Realtor admitted last week - what starts in Florida never ends in Florida These cycles take an incredibly long time to play out but play out they do Demographics + Speculation + Fraud=worse than [----] Worse than 2008: The housing narrative is breaking with @m3_melody https://t.co/YtMLghIT8f Worse than 2008: The housing narrative is breaking with @m3_melody https://t.co/YtMLghIT8f"  
[X Link](https://x.com/anyuser/status/1979244774054920473)  2025-10-17T17:55Z 44.7K followers, 40.2K engagements


"A combination of subsidized mortgages and price cuts on offer from Lennar was equivalent to a 14.3% price reduction. The last time it had to offer home buyers such a deep discount was during the global financial crisis H/T: @markmcdono20095 And folks still not biting"  
[X Link](https://x.com/anyuser/status/1986419567363510504)  2025-11-06T13:05Z 44.7K followers, 63.5K engagements


"Finally decent coverage of this issue Congrats @Johncomiskey77 "Of the roughly [-----] FHA loans that Lennar Mortgage originated over the two-year period that are tracked in Ginnie Maes MBS database 27% are now underwater according to Comiskey" H/T: @markmcdono20095"  
[X Link](https://x.com/anyuser/status/1988979587641126974)  2025-11-13T14:37Z 44.7K followers, 65.7K engagements


"🧵M3 Austin Dispatch 1) Astonishing unbelievable unprecedented. Empty empty castles everywhere in hill country. Bubble is too "light" a word to describe this oncoming storm - avalanche tsunami - and no amount of "hope" of a soft landing no landing will change this outcome"  
[X Link](https://x.com/anyuser/status/1626926316179144704)  2023-02-18T12:47Z 44.7K followers, 897.9K engagements


"I know I sound like a broken record but everyone keeps telling me the superprime are fine. Bozeman MT begs to differ Custom-built new construction for a cool $7.6M What happened to the customer who custom-built it and why are they listing it for sale"  
[X Link](https://x.com/anyuser/status/1726392376141201801)  2023-11-20T00:09Z 44.7K followers, 135.5K engagements


""JPMorgan Chase.had $1.04trillionin uninsured deposits in its domestic branches and another $437.6billionin deposits in foreign offices that lack FDIC insurance bringing its total deposits that lack FDIC insurance to $1.48trillion." https://wallstreetonparade.com/2024/01/federal-agency-study-contradicts-fed-chair-finds-banking-system-is-ripe-for-another-crisis-and-remains-fragile-and-uncertain/ https://wallstreetonparade.com/2024/01/federal-agency-study-contradicts-fed-chair-finds-banking-system-is-ripe-for-another-crisis-and-remains-fragile-and-uncertain/"  
[X Link](https://x.com/anyuser/status/1742205281998881152)  2024-01-02T15:24Z 44.7K followers, 30.2K engagements


"I've been tracking cities for a full year now and the results are in. Top Markets where inventory is and sales Y-O-Y Knoxville 24.94%/ -18.10% Denver 12.32%/ -6.80% Austin 9.85%/ -5.10% Nashville 5.54%/ -6.60% Atlanta 5.43%/ -4.7% Hon Mention - Miami 2.00%/-13.9%"  
[X Link](https://x.com/anyuser/status/1744048105883120043)  2024-01-07T17:27Z 44.7K followers, 71.6K engagements


"Ouch #7 Servicer of FHA Loans https://www.detroitnews.com/story/business/2024/02/22/rocket-slips-to-loss-for-fourth-quarter-all-of-2023/72702818007/ https://www.detroitnews.com/story/business/2024/02/22/rocket-slips-to-loss-for-fourth-quarter-all-of-2023/72702818007/"  
[X Link](https://x.com/m3_melody/status/1761040432820076591)  2024-02-23T14:48Z 44.7K followers, 34.6K engagements


"Just wait until FNMA makes its condo blacklist public This issue is a slow moving train but is already impacting many who cannot afford the assessments One of the big headwinds for Florida people are ignoring Remember when @Luckylopez was starting TY @Stimpyz1 for @PaulLykins a baby @m3_melody who knows FL Housing Implosion [---] Ground Zero Not only are HOA fees DOUBLING due to insurance spike Structural Reserves Integrity Studies to push HOA even higher https://t.co/lQclY4Ff8f Remember when @Luckylopez was starting TY @Stimpyz1 for @PaulLykins a baby @m3_melody who knows FL Housing Implosion"  
[X Link](https://x.com/anyuser/status/1762950400322195528)  2024-02-28T21:18Z 44.7K followers, 132K engagements


"Huge increases at food banks 9.75% delinquency in FHA MBS tent cities across the country highest levels of eviction in cities like Phoenix since [----] The default cycle has begun whether FinTwit wants to admit it or not 👇 A 🧵on eviction foreclosure and default. According to the Census HH Pulse Survey 4.1M people are behind on rent/mortgage where eviction is likely to occur within [--] months. FL & TN are among the highest states w/ 37-62% of renters/owners behind on payments (not a typo) 1/6 https://t.co/FbZjEL4LJP A 🧵on eviction foreclosure and default. According to the Census HH Pulse Survey"  
[X Link](https://x.com/anyuser/status/1766921828570689693)  2024-03-10T20:19Z 44.7K followers, 141.9K engagements


"Vision of things to come In Austin TX Although FL will ultimately be worse Austin is ground zero for the speculative frenzy which infected so many of our cities @TravisREMindset"  
[X Link](https://x.com/anyuser/status/1779915679933595695)  2024-04-15T16:52Z 44.7K followers, 127.5K engagements


""Fannie Mae.wrote that it anticipates decreases in the multifamily property values it projected reflecting 'uncertainty relating to property values and the ongoing investigation of multifamily lending transactions with suspected fraud.'" h/t: @JuliusMiami"  
[X Link](https://x.com/anyuser/status/1853546235598189047)  2024-11-04T21:13Z 44.7K followers, 50.5K engagements


"🌴The Florida homebuying season is a bit different than the rest of the country.and it's beginning Ft. Lauderdale Miami & Orlando just hit the highest # of listings for sale in the almost two years I've been tracking Up 30% YOY for the [--] cities I track in FL"  
[X Link](https://x.com/anyuser/status/1858581360438342112)  2024-11-18T18:41Z 44.7K followers, 84K engagements


"The Airbnb exodus hasn't even started in earnest nor has the long-term rental one that will accompany it 🚀 taxes 🚀 insurance 🚀cost-of-repair lack of qualified tenants Oh & the most important one= NO CASHFLOW 💵 Buckle up inventory deniers Now that weve got more supply than was on the market in November [----] can we finally silence the false narrative about demand for housing exceeding demand because inventory is still lower than it was prior to the pandemic Weve yet even see the @Airbnb exodus. cc @m3_melody Now that weve got more supply than was on the market in November [----] can we"  
[X Link](https://x.com/anyuser/status/1863990724535971869)  2024-12-03T16:56Z 44.7K followers, 86.9K engagements


"Who is the doomer now "According to the December Housing Market Report prices in more than half of the [--] largest metros in the U.S. have plummeted year over year with five hugely popular cities leading the charge in price reductions" http://Realtor.com http://Realtor.com"  
[X Link](https://x.com/anyuser/status/1878098203188273207)  2025-01-11T15:14Z 44.7K followers, 127.6K engagements


"This was inevitable but most ignored the warnings and fell prey to the YOLO-FOMO reality distortion field The unwinding will be painful Lets check in on Air BnBs (Fun fact were experiencing a massive demographic regression to the mean world wide and credit card defaults are at record highs but look at that stonk market) https://t.co/O5YFTqH1gL Lets check in on Air BnBs (Fun fact were experiencing a massive demographic regression to the mean world wide and credit card defaults are at record highs but look at that stonk market) https://t.co/O5YFTqH1gL"  
[X Link](https://x.com/anyuser/status/1884616052748779646)  2025-01-29T14:54Z 44.7K followers, 164.1K engagements


"And that indeed is how they will roll. Sellers beware Blackstone just sold this house in Florida at a $130k loss. They bought it at peak of bubble in [----] to rent it out. But renting it was harder than expected. So they liquidated the property. Given that Florida is in a housing correction Blackstone had to cut the price to https://t.co/EeLawZPhre Blackstone just sold this house in Florida at a $130k loss. They bought it at peak of bubble in [----] to rent it out. But renting it was harder than expected. So they liquidated the property. Given that Florida is in a housing correction Blackstone"  
[X Link](https://x.com/anyuser/status/1885036981987475691)  2025-01-30T18:46Z 44.7K followers, 35.8K engagements


"California listings continue to increase For the [--] cities I track in CA listings for sale increased 5.27% week-over-week and 18.31% month-over-month San Diego up 17.65% MOM Finalizing trip plans so let me know any spots of interest"  
[X Link](https://x.com/anyuser/status/1887585120246235438)  2025-02-06T19:32Z 44.7K followers, 41.1K engagements


"🚨Ummm - folks For the 80+ cities I track inventory is up 20% from same week last month Since [----] the average is a -.16% decrease from Jan to Feb using FRED data 🫡"  
[X Link](https://x.com/anyuser/status/1887618335321305303)  2025-02-06T21:44Z 44.7K followers, 55.5K engagements


"The FHA program has gone off the rails.intended to help struggling Americans it has instead aided and abetted our fraudster investor class while at the same time impairing the future purchasing power of many of our Forgotten Americans It's time to demand better About that backstop Federal officials preparing to cut 50% of employees @FHAgov the office that helps certain homebuyers secure a loan if they cant afford a down payment or have below-average credit scores cc @m3_melody @TheBondFreak @dailyjobcuts @MacroEdgeRes @business About that backstop Federal officials preparing to cut 50% of"  
[X Link](https://x.com/anyuser/status/1891928510278647822)  2025-02-18T19:11Z 44.7K followers, 32.2K engagements


"When will reposting this headline get old The speculative short term rental market in Smoky Mtns is 100% over (along w/many markets). Dont buy there now Unless you can build your own on your own the returns for ho-hum cabins arent there. I have a friend who I spoke with Thurs. He said By this time in [--] my 3/3 was https://t.co/NXSXJzEgzp The speculative short term rental market in Smoky Mtns is 100% over (along w/many markets). Dont buy there now Unless you can build your own on your own the returns for ho-hum cabins arent there. I have a friend who I spoke with Thurs. He said By this time in"  
[X Link](https://x.com/anyuser/status/1893797713600250171)  2025-02-23T22:58Z 44.7K followers, 56.1K engagements


"'I had to take out an additional mortgage to replace the heat and AC system.I keep increasing the deductibles on the home insurance to try to keep the premiums down. They ratchet up every year while my income does not.our necessities consume 75% of my income'" 50% is 🏠ing Even homeowners with a 3% mortgage are now finding they can't afford to stay in their own homes "I feel trapped: how home ownership has become a nightmare for many Americans" https://t.co/sPcF1dCpWT Even homeowners with a 3% mortgage are now finding they can't afford to stay in their own homes "I feel trapped: how home"  
[X Link](https://x.com/m3_melody/status/1894828338889535573)  2025-02-26T19:14Z 44.7K followers, 40K engagements


"Those that bought between 21-24 have serious regrets. Agree its time to listen to what the math is telling us Enjoyed my chat with Kai and hope you check it out Buying a House in [----] Listen First Buy Later Melody Wright Is the U.S. housing market in trouble Expert Melody Wright @m3_melody breaks down rising prices home sales and whats next. Dont miss it: https://t.co/xwkKCgNRuv https://t.co/iJMVKhRL0h Buying a House in [----] Listen First Buy Later Melody Wright Is the U.S. housing market in trouble Expert Melody Wright @m3_melody breaks down rising prices home sales and whats next. Dont miss"  
[X Link](https://x.com/anyuser/status/1895242791321821447)  2025-02-27T22:41Z 44.7K followers, 51.6K engagements


""Las Vegas is going through an affordability crisis he adds where the average working adult does not have the money to buy the typical single-family home" It's just math Listings up 31% YOY and still climbing What I saw there in [----] means we ain't seen nothing yet"  
[X Link](https://x.com/anyuser/status/1898403568261996938)  2025-03-08T16:00Z 44.7K followers, 26.6K engagements


"Now that the rest of the world has woken up to what I've been talking about for two years -I give you something to ponder This program was used fraudulently by investors who lied and claimed owner occupancy Were these workouts claims falsely made .enter The False Claims Act Holy cow. This is a gigantic scandal. The Biden Administration has been making mortgage payments for [--] million homeowners who were in default. They artificially manipulated the market to make the economy look better and drive housing prices up. Link in the next post Holy cow. This is a gigantic scandal. The Biden"  
[X Link](https://x.com/anyuser/status/1898802549911687670)  2025-03-09T18:26Z 44.7K followers, 137K engagements


"Per National Mortgage Professional"  
[X Link](https://x.com/anyuser/status/1899085605671149694)  2025-03-10T13:11Z 44.7K followers, 35.7K engagements


"10 of the [--] cities I track in Florida just hit their highest # of listings for sale in two years of tracking [--] had YOY price declines in February per Redfin [--] had positive YOY sales (Tampa & Winter Garden) 🌴"  
[X Link](https://x.com/anyuser/status/1900986556015366506)  2025-03-15T19:04Z 44.7K followers, 57.9K engagements


"It aint good 🏡Entire generations have been priced out of owning a home but the govt continues blocking foreclosures on people who haven't made a payment in years🏡 h/t @m3_melody @Johncomiskey77 https://t.co/2nRoRZkLTq 🏡Entire generations have been priced out of owning a home but the govt continues blocking foreclosures on people who haven't made a payment in years🏡 h/t @m3_melody @Johncomiskey77 https://t.co/2nRoRZkLTq"  
[X Link](https://x.com/m3_melody/status/1901406464939327568)  2025-03-16T22:53Z 44.7K followers, 50.5K engagements


"Is WSJ studying my timeline now Feb [--] [----] ladies and gentlemen Just wait until FNMA makes its condo blacklist public This issue is a slow moving train but is already impacting many who cannot afford the assessments One of the big headwinds for Florida people are ignoring Just wait until FNMA makes its condo blacklist public This issue is a slow moving train but is already impacting many who cannot afford the assessments One of the big headwinds for Florida people are ignoring"  
[X Link](https://x.com/anyuser/status/1901754193972744252)  2025-03-17T21:55Z 44.7K followers, 99.3K engagements


"Many of us have an affinity for The Big Short not because it got everything right (it didnt) but for its message Most of us live with our heads in the sand and are too afraid to peak behind the curtain These two have the courage of their convictions 👇 Looming FHA Mortgage Loan Crisis John Comiskey owner of the Substack called Reversed Engineering Finance a newsletter that explains the underlying mechanics of the financial system and then uses those mechanics to make projections. He talks the potential FHA Mortgage Crisis https://t.co/0Uk7X0JdNQ Looming FHA Mortgage Loan Crisis John Comiskey"  
[X Link](https://x.com/m3_melody/status/1903429528824750124)  2025-03-22T12:52Z 44.7K followers, 48.9K engagements


"Doing delinquency reviews today An example from CA 90+ days past due Reason for Default: Divorce/Marital Difficulties Bought [----] for $480K First Listing in August for $505K Sold March [----] for $465K [----] will be the year motivation turns to distress.it's just beginning"  
[X Link](https://x.com/anyuser/status/1904590330873196686)  2025-03-25T17:44Z 44.7K followers, 54.5K engagements


"Whatever the intention the FHA program prevented price discovery and facilitated fraud Stomping out fraud from both the front-end origination process as well as from backend loss mitigation will give our younger Americans a shot at home ownership It's The Daily Feather An Open Letter to HUD Secretary Scott Turner Danielle DiMartino Booth writing humbly on behalf of We the People @SecretaryTurner https://t.co/NurogLKshp https://t.co/hejYLf1Wa3 The Daily Feather An Open Letter to HUD Secretary Scott Turner Danielle DiMartino Booth writing humbly on behalf of We the People @SecretaryTurner"  
[X Link](https://x.com/anyuser/status/1905676226041135598)  2025-03-28T17:39Z 44.7K followers, 24.5K engagements


"👋Listings for Rent Top [--] cities in my tracking for YOY increases in listings for rent using Realtor Asheville NC 238.78% Charlotte NC 192.75% Dallas TX 115.94% Bentonville AR 106.92% Bozeman MT 93.62%"  
[X Link](https://x.com/anyuser/status/1906036696619077847)  2025-03-29T17:32Z 44.7K followers, 58K engagements


"Have no details but big if true "House Republicans called for the Department of Housing and Urban Development to roll back the FHA payment supplement program" cc: @DiMartinoBooth and @Johncomiskey77"  
[X Link](https://x.com/anyuser/status/1910404374972817751)  2025-04-10T18:47Z 44.7K followers, 65.3K engagements


"I am in complete (good) shock Still digesting @DiMartinoBooth @Johncomiskey77"  
[X Link](https://x.com/anyuser/status/1912206611436687611)  2025-04-15T18:09Z 44.7K followers, 1.4M engagements


"🚨The Northeast First came the South then came the West and now the Northeast is starting to show listings for sale explode For the 4th month in a row the cities I track in the NE have led inventory gains - up 39.56% YOY and 14.12% MOM"  
[X Link](https://x.com/anyuser/status/1916195240685224055)  2025-04-26T18:18Z 44.7K followers, 54.3K engagements


"Surely not 😘 Why does everyone want to sell house fast all of a sudden Was there like a housing bubble I was told no one was going to sell https://t.co/QZ5cwNHu8M Why does everyone want to sell house fast all of a sudden Was there like a housing bubble I was told no one was going to sell https://t.co/QZ5cwNHu8M"  
[X Link](https://x.com/m3_melody/status/1916655889706000591)  2025-04-28T00:49Z 44.7K followers, 28.2K engagements


"Not coming 🛑 When housing becomes a casino and the goal is to trade houses like cards - at some point the chips run low because the gamblers had no self control No more credit at the window Thats where we are now Where is the housing refi boom that some have been promising The housing market is dead. @m3_melody Where is the housing refi boom that some have been promising The housing market is dead. @m3_melody"  
[X Link](https://x.com/anyuser/status/1918017967888941326)  2025-05-01T19:01Z 44.7K followers, 54.8K engagements


"At the private note conference and was just told by a servicer who services seller-wrapped deals that those are currently 17% delinquent. His overall book (not reported through Black Knight as he is a smaller specialty server) is 7% delinquent. Wow"  
[X Link](https://x.com/anyuser/status/1918364018093310240)  2025-05-02T17:56Z 44.7K followers, 49.3K engagements


"That 41.8% mortgage refi rejection rate is 🔥under reluctant sellers and BRRR bros while desperation drives builders to throw in the towel slashing left and right Credit scores trashed Distress is accelerating across the country (not just FL and TX) Tick Oh Melody but CNBC says everything will be fine. Lower bond yields and a refinancing boom was their rallying cry months ago. Melody what say you @m3_melody Oh Melody but CNBC says everything will be fine. Lower bond yields and a refinancing boom was their rallying cry months ago. Melody what say you @m3_melody"  
[X Link](https://x.com/anyuser/status/1920470822818333000)  2025-05-08T13:28Z 44.7K followers, 56.2K engagements


"If some of you have noticed a change in my tone.more certainty more force That is due to this recent trip to CA Don't be fooled - they claim it is the best of times - it is not https://youtu.be/9ru5GFJNWTosi=izcS0vUK8r46M-_F https://youtu.be/9ru5GFJNWTosi=izcS0vUK8r46M-_F"  
[X Link](https://x.com/m3_melody/status/1921630210484474109)  2025-05-11T18:15Z 44.7K followers, 71.9K engagements


""The rising share of price reductions suggests that a lot of sellers are anchored to prices that aren't realistic .says Chief Economist Danielle Hale. 'Today's sellers would be wise to listen to feedback they are getting from the market.' http://Realtor.com http://Realtor.com"  
[X Link](https://x.com/anyuser/status/1922658250849132700)  2025-05-14T14:20Z 44.7K followers, 74.5K engagements


"No one.and I mean no one understands the true scale of the shenanigans that have transpired in the shadows masking as legitimate deals This stuff is everywhere h/t: @deltahedge68 Stop eating toast and drinking coffee you fucking losers its all your fault you cant afford a house https://t.co/RtepWGxsdC Stop eating toast and drinking coffee you fucking losers its all your fault you cant afford a house https://t.co/RtepWGxsdC"  
[X Link](https://x.com/anyuser/status/1928119016247157018)  2025-05-29T15:59Z 44.7K followers, 167.2K engagements


"In my opinion lower rates will bring even more inventory and even lower prices Similar to the trend we saw start last summer but then was 🛑arrested when the 10-year gave the finger to the Fed The shortage narrative is now broken and disorder is beginning @gnoble79 @m3_melody This is one of the many reasons they want and need rates down. We just haven't seen them pull out all the stops to try to get rates lower. It's coming. @gnoble79 @m3_melody This is one of the many reasons they want and need rates down. We just haven't seen them pull out all the stops to try to get rates lower. It's coming"  
[X Link](https://x.com/anyuser/status/1929882554376540670)  2025-06-03T12:47Z 44.7K followers, 33.1K engagements


"Prosecutors said Schaefer used the PPP funds on personal expenses. Bank records showed she spent $26000 on liposuction wrote a $10000 check for a newborn baby gift and more than $900000 to buy and renovate a home in Westerville"  
[X Link](https://x.com/anyuser/status/1936068490680770969)  2025-06-20T14:27Z 44.7K followers, 28.1K engagements


"Just had a convo w/ a RE insider in Utah at a large well-known brokerage about all the seller-wrapped deals they are seeing there and fraud Remember the servicer who said 17% of seller-wrapped deals are delinquent & most not reported to credit Zestimates gonna get trashed🗑 .about that inflation @federalreserve wrt its BIGGEST input: @FHFA Apr home prices -0.4% MoM v 0.0% (revised) Mar. S&P Corelogic Apr home prices -0.31% after -0.16% (revised) Mar. LUCKILY not yet [--] months which makes a trend (in peak season). cc @m3_melody @VladTheInflator .about that inflation @federalreserve wrt its"  
[X Link](https://x.com/anyuser/status/1937545317953732833)  2025-06-24T16:16Z 44.7K followers, 79K engagements


"Texas.we have a problem @DiMartinoBooth @federalreserve @FHFA @m3_melody @VladTheInflator Allen TX both renting and housing market https://t.co/hwt7mbklTv @DiMartinoBooth @federalreserve @FHFA @m3_melody @VladTheInflator Allen TX both renting and housing market https://t.co/hwt7mbklTv"  
[X Link](https://x.com/anyuser/status/1937575583749431495)  2025-06-24T18:16Z 44.7K followers, 30.8K engagements


"Shocked I tell you. But then again anyone could have seen this coming if they had really looked Home prices are falling YTD which isnt normal. https://t.co/l2oOMhHk46 Home prices are falling YTD which isnt normal. https://t.co/l2oOMhHk46"  
[X Link](https://x.com/anyuser/status/1938985965579850194)  2025-06-28T15:40Z 44.7K followers, 36K engagements


"Credit crisis brewing as delinquency intensifies across the credit spectrum BNPL auto student loans credit cards.and yes mortgages will soon join the 🎉 @UnicusResearch @thejobchick and I discuss 👇 https://youtu.be/VRrWoZV2Cwo https://youtu.be/VRrWoZV2Cwo"  
[X Link](https://x.com/anyuser/status/1940127542956237051)  2025-07-01T19:17Z 44.7K followers, 54K engagements


"It's getting hard out there"  
[X Link](https://x.com/anyuser/status/1941511636554219622)  2025-07-05T14:57Z 44.7K followers, 27.7K engagements


"Feed lots active train tracks cow pastures middle-of-nowhere and [--] miles from a gas station next to condemned buildings and dilapidated trailer parks You name it they did it #bullishbulldozers H/T: @jpastaman New $600k - $800k homes in rural Rathdrum Idaho (about [--] minutes away from Coeur d Alene) built on tiny lots on farmland alongside a very active railroad 🤡🤡🤡 Another clear harbinger of an imminent real estate correction/crash @VladTheInflator https://t.co/GfGyP5zVdf New $600k - $800k homes in rural Rathdrum Idaho (about [--] minutes away from Coeur d Alene) built on tiny lots on"  
[X Link](https://x.com/anyuser/status/1942246387564818944)  2025-07-07T15:36Z 44.7K followers, 25.3K engagements


"And here is June non-seasonally adjusted back to [----] as well It's time to say goodbye to your zestimate That sticker price means nothing unless it sells And you can bet your appraisal won't match if you are trying to refi Worse than June [----] June [----] June [----]. No caption needed https://t.co/s4zYb7TnBT No caption needed https://t.co/s4zYb7TnBT"  
[X Link](https://x.com/anyuser/status/1948034193688248322)  2025-07-23T14:55Z 44.7K followers, 92.2K engagements


"🚨New Home Sales Wow That median price is brutal Prices down and sales tepid Non-seasonally adjusted sales down -6.90% YOY & -3.57% MOM Price down - 2.95% YOY & -4.94% MOM And [---] mos. of supply Watch out Existing Home Sellers"  
[X Link](https://x.com/anyuser/status/1948386631087698301)  2025-07-24T14:15Z 44.7K followers, 100.9K engagements


"Indeed And starting in October FHA borrowers with delinquent student debt will not be eligible for workouts As one of my clients just said winter is coming in mortgage @m3_melody They had an interesting report on the student loan delinquency facet of this pointing out that the likelihood of defaulting on your mortgage is four times as high for people with delinquent student debt @m3_melody They had an interesting report on the student loan delinquency facet of this pointing out that the likelihood of defaulting on your mortgage is four times as high for people with delinquent student debt"  
[X Link](https://x.com/anyuser/status/1948442526232244639)  2025-07-24T17:57Z 44.7K followers, 56.9K engagements


""The massive surge of new apartment supply in the last few years is still being absorbed and that has vacancies rising and rents weakening. The national multifamily vacancy rate rose to 7.1% in July setting a new record on Apartment Lists monthly index""  
[X Link](https://x.com/anyuser/status/1950597625545388049)  2025-07-30T16:41Z 44.7K followers, 19K engagements


"Cough Cough cc: @VladTheInflator -Inside Mortgage Finance"  
[X Link](https://x.com/anyuser/status/1950614736825172149)  2025-07-30T17:49Z 44.7K followers, 150.6K engagements


"From the article re: Austin: "'The current sellers in the market are the 'need to sell' not 'want to sell'" notes Pauly. "They are more inclined to drop pricing aggressivelyto attracta buyer.'" As mentioned on @thoughtfulmoney [----] is the year motivation turns to distress"  
[X Link](https://x.com/anyuser/status/1950962052199219227)  2025-07-31T16:49Z 44.7K followers, 35K engagements


"I remember the first time I stood in an empty megasite in Austin which was surrounded by new multifamily and townhomes the hammers still furiously knocking I felt sick to my stomach This is why - people are going to get really hurt h/t: @RealJohnGaltFla 👇 My building is empty https://t.co/dmTaKD4XYs My building is empty https://t.co/dmTaKD4XYs"  
[X Link](https://x.com/anyuser/status/1955594393098096975)  2025-08-13T11:36Z 44.7K followers, 100.9K engagements


"🚨July Redfin Results Are out and it's not just FL and TX.CA CO and AZ say hello 👋 M3 Cities=85 cities I track"  
[X Link](https://x.com/anyuser/status/1956005629740355760)  2025-08-14T14:50Z 44.7K followers, 53.7K engagements


"So so many houses.that no one lives in [--] [---] Airbnb/Vacasa in Las Vegas IMO it's not the boycotts.it's the economy stoopid h/t: @axcilla Las Vegas has the 3rd highest home foreclosure rate among major US metro areas as of July https://t.co/0iYxb3C9cx Las Vegas has the 3rd highest home foreclosure rate among major US metro areas as of July https://t.co/0iYxb3C9cx"  
[X Link](https://x.com/anyuser/status/1956105162248085986)  2025-08-14T21:26Z 44.7K followers, 79.1K engagements


"Consequences"  
[X Link](https://x.com/anyuser/status/1956336372244971583)  2025-08-15T12:45Z 44.7K followers, 33.6K engagements


""A Dallas-based Wall Street-traded firm owns [----] rental homes in the Las Vegas Valley.this makes Invitation Homes likely the second largest homeowner in the valley behind New York-based hedge fund Pretium Partners which owns close to [----] homes" h/t @MauiBoyMacro A Dallas-based Wall Street-traded firm owns [----] rental homes in the Las Vegas Valley according to the company. READ MORE: https://t.co/ZDo28qL74O https://t.co/fDscmU3FqV A Dallas-based Wall Street-traded firm owns [----] rental homes in the Las Vegas Valley according to the company. READ MORE: https://t.co/ZDo28qL74O"  
[X Link](https://x.com/anyuser/status/1958216492400710086)  2025-08-20T17:16Z 44.7K followers, 51K engagements


"Houston we have a _______ Inventory up 22.18% YOY and 44.31% since [----] [-----] listings on Realtor [----] new home communities listed on New Home Source Prices down -1.42% YOY and -5.39% MOM TX one of the fastest foreclosure states in the country"  
[X Link](https://x.com/anyuser/status/1959306107706302656)  2025-08-23T17:25Z 44.7K followers, 54.3K engagements


"This home was sold in [----] for $365K. It was first listed in Dec [----] for $750K. It's now listed for $595K and is in foreclosure What happened to all that equity 🤔 In Scottsdale no less When I managed default during the GFC you saw this often"  
[X Link](https://x.com/anyuser/status/1959313174777213432)  2025-08-23T17:53Z 44.7K followers, 190.1K engagements


"Long ago housing stopped being about shelter for you and me as it was used to juice us out of every downturn The problem There is no more gas left in the tank as increases in prop tax and insurance crush investors & investments no longer pencil Consequences incoming Get ready for years of falling home prices warns housing analyst Melody Wright @m3_melody In fact the correction is already underway. But it's only just getting started in her estimation. For the gory deets WATCH: https://t.co/0aPwFTOl09 https://t.co/N33aun0wxG Get ready for years of falling home prices warns housing analyst"  
[X Link](https://x.com/anyuser/status/1959633859408183432)  2025-08-24T15:08Z 44.7K followers, 158.1K engagements


"Thank you Andy for the opportunity to chat about how we got from there to here As this starts to unwind we will see some type of intervention but the investors will walk away leaving vacant properties strewn across the country Our problems are just beginning @m3_melody and I had shades of [----]. This might be the biggest housing bubble ever and it is crashing. Right now. This goes with my talk with @DavidBCollum @steve_hanke that we are in the biggest bubble ever. Melody interesting to note I read on @zerohedge today that https://t.co/U5VE1rx4UG @m3_melody and I had shades of [----]. This might"  
[X Link](https://x.com/anyuser/status/1963213700426338433)  2025-09-03T12:13Z 44.7K followers, 48.7K engagements


"This + the Bessent op-ed means it's getting 🌶 Same journalist who wrote the FHA expose from last Spring Well timed well placed Last line of the quote re: meaningfully lower mortgage rates: 🔥"Dont bet your house on it"🔥 Link in the reply"  
[X Link](https://x.com/anyuser/status/1964863629330899135)  2025-09-08T01:29Z 44.7K followers, 201.3K engagements


"All the narratives are shifting.buckle up 🧈🍵s "The national housing market reached a balance of five months of supplythe first summer to do so since Realtor. com began tracking this data nine years ago" Link in reply"  
[X Link](https://x.com/anyuser/status/1965428131990528339)  2025-09-09T14:52Z 44.7K followers, 38.5K engagements


"Everybodys learning that being a landlord as property taxes and insurance sky🚀 just aint no fun Ohand you need tenants that can pay as well 🤕 H/T: @GayBearRes state of the private real estate fundraising: https://t.co/08PI7LsAJ2 state of the private real estate fundraising: https://t.co/08PI7LsAJ2"  
[X Link](https://x.com/anyuser/status/1967273240281354530)  2025-09-14T17:04Z 44.7K followers, 97.7K engagements


"Just visited a new home community outside of Dallas offering a 3.75% rate for FHA $50K price reduction a $5K Pottery Barn gift card & a free refrigerator. Per New Home Source [--] [---] new homes currently listed for sale with Realtor/FRED already showing a 20% + increase YOY"  
[X Link](https://x.com/anyuser/status/1972378724063748484)  2025-09-28T19:11Z 44.7K followers, 71.8K engagements


"Wait.my WSJ "breaking news" notification re: Chase earnings didn't alert me to this detail: "JPMorgans provision for credit losses rose 9% to $3.4 billion exceeding the $3.08 billion estimate indicating that the firm is preparing for higher loan defaults down the road""  
[X Link](https://x.com/anyuser/status/1978095399253463279)  2025-10-14T13:47Z 44.7K followers, 34.9K engagements


"Just wow.exactly what I'm seeing with mortgages in LLC Bankruptcies h/t: @Adam__Josephson Link in the reply"  
[X Link](https://x.com/anyuser/status/1978861787878400257)  2025-10-16T16:33Z 44.7K followers, 105.5K engagements


"Alright everyone.time to pay attention The 10-Year is under the [--] handle"  
[X Link](https://x.com/anyuser/status/1978864361541144784)  2025-10-16T16:43Z 44.7K followers, 62.6K engagements


"The contagion is spreading as more regional banks come under pressure Fraud fraud everywhere supporting lifestyles on leveragedoes anyone do due diligence anymore Plus a deep dive on Portland Oregon http://m3melody.substack.com/p/lifestyles-on-leverage http://m3melody.substack.com/p/lifestyles-on-leverage"  
[X Link](https://x.com/anyuser/status/1979903105480143301)  2025-10-19T13:30Z 44.7K followers, 94.2K engagements


"Yep- Blackstone is going to save housing s Thats a negative The firm paid more than $755 million for them. Between [----] and [----] the firm sold or is in contract to sell those properties for about $536 million about 29% less than the purchase price . It is shaping up to be one of the New York firms worst investments in recent years. . losses of more than 70% compared with their purchase price . 👇🏼 https://t.co/o67NUTX6V7 . It is shaping up to be one of the New York firms worst investments in recent years. . losses of more than 70% compared with their purchase price . 👇🏼"  
[X Link](https://x.com/anyuser/status/1986643565414379541)  2025-11-07T03:55Z 44.7K followers, 63.1K engagements


"No And the folks this plan purportedly is meant to help wont be able to afford a $1900 payment either. Persistent higher home prices also mean higher property insurance and taxes which no one can afford as it is Plus -our demographic headwind is tsunami in strength $200/month less but paying nearly double in interest @VladTheInflator @m3_melody @Johncomiskey77 Is there any part of this that makes sense https://t.co/aFxtSD1pHW $200/month less but paying nearly double in interest @VladTheInflator @m3_melody @Johncomiskey77 Is there any part of this that makes sense https://t.co/aFxtSD1pHW"  
[X Link](https://x.com/anyuser/status/1987282007366451279)  2025-11-08T22:12Z 44.7K followers, 78.5K engagements


"And also.are we now admitting that we are indeed in a #silentdepression Why exactly was the 30-year mortgage instituted again No And the folks this plan purportedly is meant to help wont be able to afford a $1900 payment either. Persistent higher home prices also mean higher property insurance and taxes which no one can afford as it is Plus -our demographic headwind is tsunami in strength No And the folks this plan purportedly is meant to help wont be able to afford a $1900 payment either. Persistent higher home prices also mean higher property insurance and taxes which no one can afford as"  
[X Link](https://x.com/anyuser/status/1987291890555965674)  2025-11-08T22:51Z 44.7K followers, 57.8K engagements


""The sudden collapse of Renova's debt strikes at the heart of a major vulnerability in the private credit market the disconnect between the valuation of illiquid loans and the performance of the underlying companies" 🎯 Danger Danger Will Robinson H/T: @1CoastalJournal *BLACKROCK EYES 100% LOSS ON PRIVATE LOAN AMID DEBATE OVER MARKS Were in the golden age of private credit blah blah isolated incident you know the drill https://t.co/g22Z8736Na *BLACKROCK EYES 100% LOSS ON PRIVATE LOAN AMID DEBATE OVER MARKS Were in the golden age of private credit blah blah isolated incident you know the drill"  
[X Link](https://x.com/anyuser/status/1987932186549313982)  2025-11-10T17:15Z 44.7K followers, 53.6K engagements


"Folks.the gov't has been intervening for some time A 30-year mortgage is not the norm across the world We have subsidized the housing market to death Mortgage means death pledge Just say🚫NO to debt slavery 50-year mortgage Heck as @m3_melody explains on today's show the 30-year itself is unnatural and gaslit by government. It's one of the many reasons why housing prices because way too high for the median income. 50-year mortgage Heck as @m3_melody explains on today's show the 30-year itself is unnatural and gaslit by government. It's one of the many reasons why housing prices because way"  
[X Link](https://x.com/anyuser/status/1987945044293439589)  2025-11-10T18:06Z 44.7K followers, 42.4K engagements


"Holy Moly This is going to make things very interesting.especially in Florida "FinCEN ran a pilot program. Economists.found that corporate all-cash sales of real estate properties dropped by a whopping 95%" Buckle up H/t @JuliusMiami https://www.wlrn.org/business/2023-12-29/shell-anonymous-companies-llc-property-rubio-law-finvest https://www.wlrn.org/business/2023-12-29/shell-anonymous-companies-llc-property-rubio-law-finvest"  
[X Link](https://x.com/anyuser/status/1740798880646922352)  2023-12-29T18:16Z 44.7K followers, 60.8K engagements


"🚨New Home Sales Down -8.20% YOY and -1.75% MOM Median Home Price $403800 down -5.87% YOY and -.83% MOM (June revised up) Existing home sellers are whistling past the graveyard at this point 👻👺👻 Beware: 🎃Halloween is right around the corner"  
[X Link](https://x.com/anyuser/status/1959984513167048812)  2025-08-25T14:21Z 44.7K followers, 50.2K engagements


"I've seen empty data centers all over the country.no one home Question for the AI bulls. The US currently has [----] data centers and is investing billions to build more. China has [---] data centers AND IS NOT ADDING. If AI is real why isn't China building 000s of data centers every month (which they could CLEARLY do) Thoughts $NVDA Question for the AI bulls. The US currently has [----] data centers and is investing billions to build more. China has [---] data centers AND IS NOT ADDING. If AI is real why isn't China building 000s of data centers every month (which they could CLEARLY do) Thoughts"  
[X Link](https://x.com/anyuser/status/1986536457025011743)  2025-11-06T20:49Z 44.7K followers, 73.4K engagements


"Yes it is.we finally have December's report And it's not looking any better @VladTheInflator @DiMartinoBooth @m3_melody @DonMiami3 And now it's back up with December. @VladTheInflator @DiMartinoBooth @m3_melody @DonMiami3 And now it's back up with December"  
[X Link](https://x.com/m3_melody/status/1907172588591124525)  2025-04-01T20:45Z 44.7K followers, 51.3K engagements


"@ScottHevel @BTCDadThoughts Nobody is overlooking it but they are overestimating it. Issues with all series that report on it. The payment deferrals as workouts to the forbearance were not recorded on public record. These are essentially non interest bearing second liens. Many servicers not reporting"  
[X Link](https://x.com/m3_melody/status/2018756505437348321)  2026-02-03T18:40Z 44.7K followers, [--] engagements

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