Presenters Amy Crews Cutts President, AC Cutts and Associates and Chief Economist, NACM Michael Neal Equity Scholar and Principal Research Associate, Urban Institute Janet Jozwik Senior Managing Director and Head of Climate Analytics, RiskSpan Divas Sanwal Managing Director and Head of Modeling, RiskSpan Recorded: Wednesday, March 29th An informative webinar on the nation’s current “out-of-whack” housing supply and what it means for mortgage investors, homeowners, prospective homebuyers, and renters alike! Housing economists Amy Crews Cutts and Michael Neal join RiskSpan credit and prepayment modelers Janet Jozwik and Divas Sanwal as they explore the factors that contribute to the current housing supply imbalance, including the cost of building, the impact of permits and zoning, and the emergence of the “missing middle.” They discuss how high interest rates and rental prices are incentivizing owners who relocate to hold old on to their old properties and become landlords. They also examine the impact of ADUs, zoning issues, and the availability of renovation financing. Mortgage loan and security investors will learn about what housing supply means for prepay speeds. The panelists will consider the role of financing in addressing housing supply issues, including the market for low-balance loans and unconventional options like contracts for deed and lease-to-own arrangements. The panel discusses the evolving housing needs of the population, including the desire to age in place, the challenges posed by multigenerational living arrangements, and the viability of several proposed solutions, including the potential for converting unused commercial properties into housing.