Persinger Group Real Estate

03/13/2026

Getting some snow today... so wanted to write this up.

Honest local guide to winters in Coeur d'Alene, Idaho. Learn about snowfall, temperatures, driving conditions, cloud cover, and what life is really like during winter in North Idaho.

03/13/2026

What you think?

Valentine’s Day is just around the corner, and homeowners oftentimes have a love hate relationship with their homeowners’ associations. Aside from moving, it...

03/05/2026

When the economy feels unpredictable, real estate decisions start to feel personal.

Not because your house changed overnight, but because the noise around it gets louder. Rates move. Headlines swing. Experts disagree. Your feed fills up with certainty from people who cannot possibly know what happens next.

And if you’re thinking about buying or selling, it’s easy to feel like you’re one bad decision away from regret.

That fear is normal.

In an unpredictable economy, buyers and sellers can still make smart real estate decisions. Discover what you can control to move forward with confidence

02/03/2026

Want a ski in/ski out place that is yours?

See all Schweitzer Mountain homes listed for sale. Every listing available in the Schweitzer Mountain area, includes pics, video, prices. What's life like at Schweitzer? Check out the...

01/21/2026

Relocating to a new area creates a special kind of pressure.

You don’t just feel the normal stress of buying a home. You feel behind. Everyone else seems to know where things are, how the market works, and which neighborhoods “make sense.” You don’t.

So you do what most smart people do: you research.

Relocating to a new city? Before you choose schools or neighborhoods, learn the 4 things that matter first—timeline, leverage, market structure, and sequence—to avoid rushed decisions and buy with confidence.

01/07/2026

Trump says he wants to ban Wall Street firms from buying single-family homes.

If you’ve ever lost a house to an all-cash buyer, your first reaction is probably: finally.

But this topic gets messy fast, mostly because people confuse names and numbers.

First, the name confusion:
BlackRock gets blamed a lot online, but it’s not only them.

Now the numbers.
The biggest institutional landlords are measured in tens of thousands of homes, not “they own your whole city.”

For example:
• Blackstone (which gets confused for BlackRock) about 61,964 homes, broken out as
• Tricon (35,448) and
• Home Partners of America (26,516).
• Invitation Homes: about 86,000 homes
• American Homes 4 Rent: about 61,000 homes
• Progress Residential: over 88,000 homes

And nationally, institutional investors still own a small slice of the overall single-family universe.

So why does it feel like they are everywhere?

Because the damage isn’t just “how many homes they own.”
It’s what happens at the margin.

When a well-funded buyer can move fast, pay cash, waive contingencies, and buy in clusters, they can:
• push comps up in a neighborhood
• turn starter homes into rentals
• gain pricing power on rents and fees once they have concentration

It doesn’t take “owning everything” to move prices.

It takes showing up over and over again in the same price range, in the same zip code, with the same advantages.

Quick pros and cons of a ban like Trump is talking about:

Pros
• Less all-cash competition for regular buyers
• Less “buy it, rent it, repeat” momentum in certain neighborhoods
• More pressure for homes to land with owner-occupants

Cons
• You’re telling sellers who they are allowed to sell to
• It could shrink rental supply, especially build-to-rent pipelines
• The real root problem (inventory) still doesn’t get solved
• Defining “Wall Street” in a way that holds up in court is not simple

Our question for you:
Should the government be able to tell you who you can sell your home to?

01/05/2026

January has a funny way of stirring things up.

The decorations come down. The calendar flips. You start noticing things about your house you somehow ignored all year. The cramped entryway. The room that never quite worked. The neighborhood that doesn’t feel like you anymore.

And suddenly the thought pops up:

The decorations come down. The calendar flips. You start noticing things about your house you somehow ignored all year. The cramped entryway. The room that never quite worked. The neighborhood that doesn’t feel like you anymore.

11/15/2025

This time of year... a frequent question.

Should you sell your home before winter or wait until spring? Learn the real pros and cons of each season — from lower competition and faster closings in winter to higher buyer demand and curb appeal in spring — so you can make the smartest move for your goals and market.

10/27/2025

Sure, buying a home in the winter might be tricky since most people prefer to make such big decisions in warmer weather, but there are some advantages that come with winter house-hunting too.

You had been searching for a new home for months in the spring, but couldn't find "the one." But now winter has come around, bringing with it a renewed sense of possibility about finding the perfect home for you.

10/20/2025

If you're selling... shoud you spend the money and time to update your kitchen?

Remodeling the kitchen before selling the house will normally take a minimum of $12,200 and $149,079 for a major remodel, the average cost range lies between $12,800 - $21,200. However, 80% of homebuyers in 2021 listed the kitchen as the most important space and the national average ROI for a minor....

10/18/2025

Fall has a way of changing how we live at home. The days get shorter, the evenings feel cozier, and we want spaces that wrap us in warmth.

Discover the top fall design trends that make your home warm, inviting, and ready to sell. From cozy textures and warm neutrals to statement lighting and earthy metallics, learn how small updates can boost comfort and buyer appeal this season.

10/17/2025

How Fed Policy and Cash Injection Impact Home Prices

1. Early 2000s >> Cheap Money Fueled the Bubble

After the 2001 recession, the Fed slashed rates and pumped liquidity into the system. Mortgages got cheaper, lending standards loosened, and by 2007 the median home price had jumped 50%+ in seven years. Easy money = more buyers = higher prices.

2. 2008–2015 >> QE Era (Quantitative Easing)

When the housing bubble popped, the Fed didn’t just cut rates, it introduced trillions of dollars through bond buying. Mortgage rates hit record lows, and home prices, after dipping nearly 20%, roared back starting around 2012.

3. 2020–2021 >> Trillions in Pandemic Liquidity

The Fed doubled down during COVID. Rates fell near 0%, and the Fed injected more than $4 trillion into the economy. That’s the same period the chart shows the fastest home price surge in history... median prices jumped 40% in just two years.

4. 2022–2023 >> Pullback When Liquidity Tightened

Once the Fed raised rates to fight inflation and stopped injecting cash, demand cooled. Prices slipped ~5–7% from the peak, showing how sensitive housing is to Fed liquidity and interest rate policy.

👉 The bigger point: Home prices aren’t just about supply and demand on Main Street. They’re directly tied to how much cash the Fed pushes into the system and how cheap borrowing money is.

So---> why not wait for prices to crash like 2008-2012?

1. Lending Standards Are Tighter

2008: Anyone could get a mortgage. Ninja loans (no income, no job, no assets), subprime lending, adjustable-rate teaser loans. When rates reset, people couldn’t pay.

Today: Borrowers are heavily vetted. Credit scores, income verification, down payments. Delinquency rates are around 2%, near historic lows. People can pay their mortgages.

2. Supply Is Historically Low

2008: We massively overbuilt. Millions of excess homes sat vacant.

Today: We’re underbuilt by millions of units. Inventory is at record lows. Even with high rates, there aren’t enough homes for demand and that puts a floor under prices.

3. Homeowner Equity Is High

2008: Many owners had little to no equity. Some owed more than their house was worth. When prices dipped, foreclosures snowballed.

Today: The average homeowner has record-high equity, around $200,000+ per household. Even if prices dip, most owners won’t be forced to sell.

4. Fixed-Rate Mortgages Shield Owners

2008: Tons of people had adjustable-rate mortgages that spiked when rates went up.

Today: Over 90% of mortgages are fixed at historically low rates (many locked in at 3% or less). Owners aren’t facing sudden payment shocks, so they’re staying put.

5. Fed Policy Is Different

2008: The crisis started inside housing and spread to banks.

Today: The Fed’s inflation fight has cooled affordability, but it hasn’t destabilized the mortgage system. Banks are stronger, mortgage-backed securities are regulated, and there’s no wave of defaults looming.

👉 Bottom line: Prices can dip (like we’ve already seen 5–7% off the 2022 peak), but a full-scale crash requires forced sellers + excess supply. Neither condition exists today.