Michael Olson @mikeolson44

🇺🇸 Air Force Veteran | Husband | Father Sharing lessons on fitness, family, leadership, and personal growth to help others build a stronger life. Florida, USA Joined November 2025

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Michael Olson @mikeolson44

2 hours ago

@JThiel @interesting_aIl Social media, live video games, and Ai is the new Alcohol and nicotine addiction. It can ruin lives if not done in moderation 🔥💪🏻

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Michael Olson @mikeolson44

2 hours ago

Been a great month or buying opportunities as the optimistic say

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Michael Olson @mikeolson44

15 hours ago

@jonbrooks Nice I made the top 23% 💪🏻🔥

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Michael Olson @mikeolson44

20 hours ago

@FluentInFinance If your married that double 💪🏻 all the blow, massages, and hookers you could ever want when your old if you live that long! Lol jk Spend now budget for long term

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The ratio shows affordability is historically poor, but it doesn’t explain why it deteriorated. Home prices climbed for years even with strong demand and low rates. What actually broke the market was financing costs jumping from roughly 3% to 7%, which doubled many buyers’ monthly payments. Elevated prices and higher rates both matter—the rate shock was the catalyst that froze demand. Also, banks don’t generally underwrite using a home-price-to-income ratio. They primarily use debt-to-income ratios, credit, and other underwriting standards. The price-to-income ratio is a macroeconomic affordability metric, not a lending rule.

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Michael Olson @mikeolson44

a day ago

The 2.6 ratio isn’t an economic law—it’s an old rule of thumb. The real question is: what changed that caused affordability to collapse? Home prices rose for two years while demand remained strong. Sales fell only after mortgage rates went from ~3% to ~7%. That suggests financing costs were the catalyst, even if prices were already elevated.

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Michael Olson @mikeolson44

a day ago

We’re talking about two different things. Money supply may explain why home prices rose. Mortgage rates explain why affordability collapsed. Buyers absorbed higher prices at 3% rates; they couldn’t at 7%. That’s why sales and affordability broke after rates spiked—not when prices first surged.

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Michael Olson @mikeolson44

a day ago

Incomes have risen significantly since 2020, helping justify some of the price appreciation in down payment, insurance, and taxes.. But affordability didn’t collapse until mortgage rates doubled. If prices were the primary issue, affordability would’ve broken in 2020–21 when rates were 3%. Instead, demand stayed strong until financing costs exploded.

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Michael Olson @mikeolson44

a day ago

Prices matter, but rates caused the affordability crisis. The payment on the same home jumped 50%+ when mortgages went from ~3% to ~7%, while prices were largely flat after 2022. A modest drop in rates restores affordability far faster than requiring a massive nationwide home price crash.

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Michael Olson @mikeolson44

a day ago

@GrantCardone Pivot to a new career and/or make sure my value exceeds Ai

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Michael Olson @mikeolson44

a day ago

@PwnSplat @adam_lantz @clarkh1963 @indexnforgetit Learn something new if I get to that level thanks

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Michael Olson @mikeolson44

a day ago

@RealSteveVaughn @jonbrooks I disagree wages have substantially increased as well to justify values, it’s a rate issue for housing affordability.

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Michael Olson @mikeolson44

a day ago

@RepThomasMassie $300 billion would make mortgage rates come down? What about groceries? What about electric and water?

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Michael Olson @mikeolson44

a day ago

@adam_lantz @clarkh1963 @indexnforgetit Explain backdoor hasn’t heard this concept yet

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Michael Olson @mikeolson44

a day ago

@JThiel @cb_doge I think that depends on promoting and context That’s hard data to measure? Are any non-bias in the health and entrepreneur context? Or we talking politics?