<description>&lt;p dir="ltr"&gt;Is the housing market broken, or just misunderstood? Ron Phillips cuts through the noise to explain why affordability is collapsing for first-time buyers and why interest rates aren't the real culprit. Dive in as he breaks down the true barriers, rising costs, debt loads, and all-cash competition, and shares clear strategies for investors to buy smart, stay cash-flow positive, and build wealth while others wait for a "reset" that may never come.&lt;/p&gt; &lt;p&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/p&gt; &lt;p dir="ltr"&gt;&lt;strong&gt;WHAT YOU'LL LEARN FROM THIS EPISODE  &lt;/strong&gt;&lt;/p&gt; &lt;ul&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;Why the biggest issue in real estate isn't rates&lt;/p&gt; &lt;/li&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;A gap between first-time buyers and cash-rich repeat buyers&lt;/p&gt; &lt;/li&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;2 factors reshaping who controls the housing market&lt;/p&gt; &lt;/li&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;How long-term investors can still win using fundamental buying rules&lt;/p&gt; &lt;/li&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;The dangers of listening to perpetual "crash" predictors and market timers&lt;/p&gt; &lt;/li&gt; &lt;/ul&gt; &lt;p&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/p&gt; &lt;p dir="ltr"&gt;&lt;strong&gt;RESOURCES MENTIONED IN THIS EPISODE&lt;/strong&gt;&lt;/p&gt; &lt;ul&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;&lt;a href= "https://www.nar.realtor/magazine/real-estate-news/nar-2025-profile-of-home-buyers-sellers-reveals-market-extremes"&gt; NAR 2025 Profile of Home Buyers, Sellers Reveals Market Extremes&lt;/a&gt; &lt;/p&gt; &lt;/li&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;&lt;a href= "https://www.mba.org/news-and-research/newsroom/news/2025/10/29/mortgage-applications-increased-in-latest-mba-weekly-survey"&gt; Mortgage Applications Increase in Latest MBA Weekly Survey&lt;/a&gt; &lt;/p&gt; &lt;/li&gt; &lt;/ul&gt; &lt;p&gt; &lt;/p&gt; &lt;p dir="ltr"&gt;&lt;strong&gt;CONNECT WITH US:&lt;/strong&gt;&lt;/p&gt; &lt;ul&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;If you need help with anything in real estate, please email &lt;a href= "mailto:invest@rpcinvest.com"&gt;invest@rpcinvest.com&lt;/a&gt; &lt;/p&gt; &lt;/li&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;Reach Ron: &lt;a href= "https://rpcinvest.com/"&gt;RP Capital&lt;/a&gt;&lt;/p&gt; &lt;/li&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;Leave podcast reviews and topic suggestions: &lt;a href= "https://podcasts.apple.com/us/podcast/get-real-podcast/id1450527598?mt=2"&gt; iTunes&lt;/a&gt;&lt;/p&gt; &lt;/li&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;Subscribe and get additional info: &lt;a href="https://getrealestatesuccess.com/"&gt;Get Real Estate Success&lt;/a&gt;&lt;/p&gt; &lt;/li&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;Facebook Group: &lt;a href= "https://www.facebook.com/groups/1653860794769953/"&gt;Cash Flow Property Facebook Community&lt;/a&gt;&lt;/p&gt; &lt;/li&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;Instagram: &lt;a href= "https://www.instagram.com/ronphillips_/"&gt;@ronphillips_&lt;/a&gt;&lt;/p&gt; &lt;/li&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;YouTube: &lt;a href= "https://www.youtube.com/channel/UCWzCd9iPq5VOlstTgk_RSeA"&gt;RpCapital&lt;/a&gt;&lt;/p&gt; &lt;/li&gt; &lt;li dir="ltr" aria-level="1"&gt; &lt;p dir="ltr" role="presentation"&gt;Get the latest trends and insights: &lt;a href="http://subscribe.rpcinvest.com/"&gt;RP Capital Newsletter&lt;/a&gt;&lt;/p&gt; &lt;/li&gt; &lt;/ul&gt; &lt;p&gt; &lt;/p&gt;</description>

Get Real Podcast

Ron Phillips

#356 The Real Affordability Crisis: Why First-Time Buyers Can't Compete

DEC 8, 202515 MIN
Get Real Podcast

#356 The Real Affordability Crisis: Why First-Time Buyers Can't Compete

DEC 8, 202515 MIN

Description

Is the housing market broken, or just misunderstood? Ron Phillips cuts through the noise to explain why affordability is collapsing for first-time buyers and why interest rates aren't the real culprit. Dive in as he breaks down the true barriers, rising costs, debt loads, and all-cash competition, and shares clear strategies for investors to buy smart, stay cash-flow positive, and build wealth while others wait for a "reset" that may never come. WHAT YOU'LL LEARN FROM THIS EPISODE Why the biggest issue in real estate isn't rates A gap between first-time buyers and cash-rich repeat buyers 2 factors reshaping who controls the housing market How long-term investors can still win using fundamental buying rules The dangers of listening to perpetual "crash" predictors and market timers RESOURCES MENTIONED IN THIS EPISODE NAR 2025 Profile of Home Buyers, Sellers Reveals Market Extremes Mortgage Applications Increase in Latest MBA Weekly Survey CONNECT WITH US: If you need help with anything in real estate, please email [email protected] Reach Ron: RP Capital Leave podcast reviews and topic suggestions: iTunes Subscribe and get additional info: Get Real Estate Success Facebook Group: Cash Flow Property Facebook Community Instagram: @ronphillips_ YouTube: RpCapital Get the latest trends and insights: RP Capital Newsletter