The Good, The Bad, and The Ugly of the 50-Year Mortgage

What if the newest “solution” to housing affordability creates more risk than relief?
That’s the concern behind the proposed 50-year mortgage — a move that could reshape buying power, development timelines, and long-term debt across the entire industry.

In this video, I break down the real implications of a 50-year mortgage from the perspective of homeowners, developers, and build-to-rent investors.

Not the politics — the actual financial impact.

Here’s what we dig into:
✅ Why the FHFA says this could be a major shift
✅ How longer mortgage terms reshape affordability
✅ Potential risks to lenders, pension funds & the financial system
✅ How this affects BTR absorption, demand, and land prices
✅ Why developers must update their models now — not later
✅ The real issue this proposal doesn’t fix

⏱️ Timestamped Moments
📍 00:00 — Why the 50-year mortgage is back in the spotlight
📍 01:16 — What Fannie & Freddie can (and can’t) buy
📍 02:35 — The “good”: increased affordability & development incentives
📍 04:21 — The “ugly”: long-term debt & system-wide duration risk
📍 06:03 — How this could reshape BTR demand and rental absorption
📍 07:32 — What developers should model NOW
📍 08:25 — Final thoughts + the real problem this doesn’t solve

💬 If you're a developer or investor, you'll want to see how this connects to BTR strategy.

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https://coreybohner.com/casestudy

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