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Alex Kleyner on What A Rise In Interest And Mortgage Rates Means For Real Estate Markets Outside of Miami Florida

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Despite the challenging economic times, 2022 has seen a rise in interest rates to offset rising inflation but Florida is in a world of it’s own and Miami continues to hit record sales while the rest of the nation tends to be decoupled according to young 30 year old Alex Kleyner of Miami, Florida.

The increasing rates reflect a reviving economy after the struggle during the pandemic. According to experts, people should expect the mortgage and interest rates to keep going up, at least for the entire year. Anything that happens to the mortgage and interest rates will automatically affect the housing market. Let us look at what high interest means for the real estate market.

Influence On the Homebuying Process

Several factors influence property buyers purchasing decisions. Higher interest rates mean home buyers will pay more monthly payments. However, the monthly payment increases will not be as drastic as you may assume.

For instance, if you get a 3.5% interest rate for a $300,000 mortgage, the monthly payment would be around $1347. However, with a 0.5% increase in the interest rate, your monthly payment on the mortgage principal will be $1432. That means you will only pay $85 more monthly despite the increased interest rate.

Simply put, while you can expect increased monthly payments on your mortgage's principal, you do not have to worry about a drastic increase. So, it would be wise not to base your home-buying decision majorly on the rise in interest rates. However, homeowners can worry about being unable to budget a stable monthly housing expense as the rates do not remain fixed.

Change in Home Purchase Trends

When the economy is strong, the interest rates rise naturally, which translates to a high mortgage loan amount. Therefore, increasing interest makes homes more expensive for buyers, which reduces the demand for home purchases. That will hurt practitioners in the real estate sector as fewer people purchase homes. So, sellers counter this challenge by lowering the prices to attract new buyers.

However, if the economy grows at the same rate as the rise in interest and mortgage rates, buyers and sellers in real estate will not be influenced. So, as long as the salaries and wages grow correspondingly to the interest and mortgage rates, there should not be a significant impact on property values and housing prices.

Sellers Remain Less Affected Compared to Buyers

The rising interest and mortgage rates do not affect sellers like buyers. They do not prevent sellers from profiting from house sales. However, they can reduce the amount of interest they earn. For instance, if a house is worth $500,000, a seller can list it as $600,000. However, thanks to the increased interest rates, a buyer may only afford $550,000. Therefore, the seller still makes a profit, even if it is lower. How the rise in interest rates affects home sellers depends on how they play the market.

Mixed Reactions Among Those in Real Estate Investing

Rising interest rates positively affect real estate investing and lenders like Alex Kleyner who helped with mezzanine financing has said that he still sees strong demand in south Florida especially Miami-Dade county but Kleyner heeds a warning to hot markets like Austin and Boise. Since the rising interest rates increase property values and prices, they attract more people into real estate investing. To those investing, that is good news. However, most people do not understand that as interest rates rise, fewer real estate transactions occur as more people turn to rent. Others choose to focus on alternative investments. Therefore, investing in the sector can easily go either way, depending on how you play the market.

Mortgage and Interest Rates Increase is Not Beyond Limits

While the rise in interest rates is quite impressive, it is still low compared to the record highs we have seen in the past. So, while there are predictions that the rates may rise to 4.25% by the end of 2022, it is still not something to worry about extensively. However, according to experts, the best way to deal with the rising interest rates is to check in with your lender regularly.

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How to Use Bonuses at Magius Casino and Similar Websites

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Players at online casinos in Canada can get bonuses on games to extend gameplay and get more chances to win. These promotions at Magius casino and similar sites offer more money, free spins, free bets, or other benefits. But how to use them properly?

This short guide explains what users should understand about bonuses on sites like Magius casino. You’ll learn about conditions, rules, and tips on how to properly use casino gifts.

Types of Bonuses at Online Casinos

Sites like Magius casino have different types of promotions. The range depends on the casino’s ability to pay more money to players. Here’s a list of the most common promotions that you’ll find online:

● Welcome bonus. It’s a simple way to increase your starting deposit with additional funds. You can use the money on certain games with certain terms and conditions.

● Reload promotions. You can activate reload deals on certain days or during holidays/special events. These promotions work like the welcome bonus, but typically lower percentages. Most reloads have time-limited access.

● Free spins. They’re part of bigger promotions or you can win/exchange them for points from loyalty programs. They’re usually for listed slot machines.

● Free bets on games or sports. These are available for games or sports. Some casinos also accept bets on sports, so users should read on what offers they receive these bets.

● Cashback. Typically, it’s a weekly return of a part of your lost money. You get a fixed percentage back from net losses in certain games (slots, most of the time).

● Promo codes. Each code unlocks a different type of promotion like spins, money, reloads, other gifts.

There are many other rewards at online sites like Magius casino. You can also participate in loyalty or VIP programs, win giveaway prizes, and so on. All these gifts have requirements and conditions that you must complete.

Factors to Consider Before Claiming Promotions

Online sites like Magius casino usually attach several conditions to each bonus. Here’s what to consider before you claim any casino promotion:

● Most promotions require you to bet the money a certain number of times (x20, x30, x50, etc.) before cashout.

● Each promotion expires, so if you don’t complete the requirement on time, you lose the gift.

● Many promotions work only on selected slots or games.

● Some bonuses limit how much you can win, even if you win more.

● Most gifts activate only after a payment, which is a deposit minimum, so check the amount.

Always read the full promotion rules. You won’t waste time and money when you know what to expect.

Tips to Use Bonuses Properly

You must use casino promotions if you want to get real benefits. Here’s a list of a few tips:

● Read the promo rules before you accept.

● Choose promotions with a low wagering requirement. It’s easier to complete the requirement faster.

● Use a calendar or reminder because promotions expire quickly.

You must also use the bonus only on games that count for the wagering progress. Check the list of titles or types of games beforehand.

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The Debate Over No-KYC Gambling Platforms

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Both users and regulators find the rise of no-KYC casinos quite interesting, largely because these sites remove the need for identity checks entirely. By using cryptocurrency, they bypass procedures that traditional operators must follow.

While this model attracts players who value privacy and speed, concerns over security and compliance continue to grow. So, on one hand, you have PokerScout’s insights that offer a current snapshot of no-KYC casinos worth trying. On the other hand, there are growing demands from regulators who argue that anonymity creates space for fraud, abuse, and unchecked financial activity.

As the model spreads, regulators, operators, and players now face a critical question: how much access should come without oversight?

Why No-KYC Casinos Exist  

No-KYC casinos operate without requiring users to submit personal documents. This means identity checks are skipped entirely. At the same time, most of these casinos rely on cryptocurrency, which allows for instant transfers without banking intermediaries. So, looking from the customer’s point of view, the model removes the barriers that often discourage players from joining traditional platforms in the first place. By cutting verification steps, these sites shorten the time between deposit and gameplay to just a few clicks.

What draws users to these casinos varies by region. In markets where online gambling is restricted, access without an ID becomes a workaround. In others, the attraction lies in speed and discretion, especially for those wary of sharing financial data. Also, many of these platforms run offshore, meaning often outside the reach of regulators. While the distance offers flexibility, it also means these sites operate beyond the safeguards that licensed casinos must observe.

Privacy Versus Accountability

Discretion is the main promise offered by No-KYC platforms. Yet, this model also raises unresolved questions about responsibility and oversight. Still, in countries where surveillance feels invasive, many users seek privacy as a form of protection. Some want to avoid handing over sensitive documents to offshore sites they may not fully trust. Others simply prefer to keep gambling activity separate from their financial identity.

Nonetheless, the risks cannot be ignored. Without checks, underage access, fraud, and financial abuse become harder to prevent. As the Forbes article on betting compliance and security notes, KYC protocols are central to anti-money laundering frameworks that protect both platforms and players. This debate now forces the industry to confront a hard question: how much anonymity should any platform allow before trust begins to collapse?

The Player’s Trade-Off

The question above becomes real the moment a player runs into trouble. Namely, no-KYC platforms promise and deliver speed. Accounts open in seconds, play begins instantly, and withdrawals often arrive within minutes. There are no forms, no approvals, and no delays. For users who value autonomy, that can feel like a feature, not a flaw. But, the speed has a cost.

In case of a problem, like an account getting locked, there’s rarely a clear way to resolve the matter. This is because most no-KYC casinos don’t offer formal dispute channels or licensed arbitration. They rely on blockchain to guarantee flawless operation, so support is often reduced to minimum. In essence, if something goes wrong, you don’t have a system to rely on.

Regulatory Response and Market Impact

Concerns over player safety and financial crime have drawn attention from regulators in multiple regions. In the EU and the United States, enforcement bodies have increased scrutiny of offshore operators. Some have already blocked access to these platforms, citing a lack of compliance with anti-money laundering standards. Others have pushed for tighter rules that would cover anonymous play under broader financial laws.

In response, the operators have begun offering tiered systems – optional KYC for higher limits, geoblocking for restricted countries, and partial transparency through smart contracts. Still, platforms that resist verification face practical hurdles. Payment processors may decline service, and affiliates may walk away to avoid reputational risk. As a recent paper on the role of blockchain in AML compliance suggests, the blockchain tools could support AML goals without full identity disclosure, but adoption remains uneven. So, for now, the regulatory picture remains fractured and fluid.

Can Trust Exist Without Identity?

While regulation remains uneven, some no-KYC casinos try to prove they can be trusted. They open their code, publish audits, and use smart contracts to lock transactions. Still, reputation comes from usage, not paperwork. So players are now investigating, scanning on-chain histories and reviewing in public forums.

This system rewards transparency, not credential, which is a great feature. But, a deeper question lingers: can a platform stay legitimate if trust depends entirely on opinions of strangers? We’ll have to wait and see.

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