The Ice Cube interview was just fascinating and provides important perspective on the matters of racial relations, opportunity, and spiraling housing costs which fundamentally change this country and how people interact with each other. Suggested watch, 20 minutes. Really hits home if considered alongside the pave taskforce and hud’s race specific panels. If you have the motivation, don’t miss the two hour long Andrew Tate interview, as that talks about a great many topics and near the end dives into racial relations and government structural changes as well.

https://rumble.com/v32ntri-episode-11-72723-ice-cube-x-tucker-the-studio-interview.html

Side note; There is also ‘tucker carlson on twitter’ account. I had thought that was official, than find this mirrored one as well today, along with several others. So these look like unofficial accounts which is what many people on the internet do now to spread content and bypass the tech industries insatiable desire to force logins and data track everyone. The accounts are up with substantial views though. Get them while they’re good and if the link dies, just find another similar one. For years people on youtube posted full episodes of tucker even though fox had tried to limit his reach and view, doling out all the other hosts full shows, but only providing viewers short clips of tucker. The market response was to post the full tucker episodes nightly on an infinite stream of pop up accounts. We watched those for years and are quite happy being able to listen to tucker again, now on rumble.

Exactly. The specific reason why? Because a damned automated software program is not a human being. Humanity in general needs to take a big step back from this worship of the new golden idol, as if tech can replace the fruits of labor. Mary, thank you again.

One of the things I’ve found most interesting, is looking into other data sources and news outlets, only to find they’re already and long since concerned about these issues, while actually being completely unaware of how the events and changes are being actively incorporated into the valuation and lending industry. Which of course, they all rely on at some point in the past or future. We are not alone, but need to network better. These are hot topics and I think you’d make a great personality to appear on various talk shows, and other article writing topic coverage matters, as one more voice of reason in the defense of traditional America and our cherished republic. The most important character identity any one of us can embrace at this time is that of a freedom fighter. We hold the line for liberty and accountability. One specific subject matter at a time. Assessors were traditionally the absolute expert on land and land worth. Not anymore. We need to return the power to the people and we can do so by highlighting how automation creates more harm than good. Fascinating that those guys actually wrote that story about assessors automatic avm algorithms getting such skewed results. Find them, post them. And if none exist, get on the horn and spark their imagination to discover what others know is already right there, just not paid attention to yet.

In my area of Los Angeles, California assessor values are wayyyyy off. They have NOTHING to do with market value. Also, older properties in older non-existent cities that merged with LA with more than one home on a lot only show the front home. The full records were never recorded when they merged with LA around 1940. Some merged even later and you still only see the front house. Building and safety doesn’t have the records either. I contacted the assessor and told him they were losing a ton in property taxes because most homes in those areas have a second or third home in the rear if not units.

We all know AVMs are not accurate or biased for many reasons. The lenders have been promoting AVMs as less biased to HUD just so they can make more money and control the values, loans and their profits. It’s definitely not because they’re less biased. AVMs are more biased because they don’t consider many contributors of value such as condition, actual size, actual bed/bath count, additions, modifications, view, lot type, specific location in an area… Those factors can change the value greatly to the point the value is meaningless.

https://i2i.org/about/our-people/jon_caldara/
I make a special point to read that guys articles lately. He really gets some important issues facing society and has an interesting writing style. I disagree with him on quite a lot but also, such an interesting take. And when it comes to housing, how regulatory structure effects access, and protecting my gas powered lawn mower from being kidnapped by lunatic climate change zealots and never seen again, he really gets it.

What you’re observing with arguments such as ‘that white ladies house is worth more up the block’ argument. That’s just jealousy and abuse of power, utilizing the force of government to get what you want. Because they sure as hell can’t change the culture which leads to repeat instances of those problems and value disparities. Laying the blame on appraisers and even lenders is not the whole story. The rules of the past may have been removed, but not surprisingly, the exact same market responses which can be observed in value analysis are still present. Go figure, that just because someone within government said a societal difference went away, the societal difference did not actually go away. Can we get Ben Carson back in there? He was a decent manager, because he just left the programs alone and did not really change very much.

https://www.realtor.com/news/trends/ben-carson-hud-legacy/

Sort of a how it started and how it’s going now sort of deal. Not looking good and HUD’s new optics are just frankly horrendous and more biased than ever. The smart money is all gone anyways, fha is a fine place to start out, and then immediately go somewhere else at your first possible chance. Extra points for everyone, just send them to hud. And once you get wind of what ‘affordable housing’ really means, all the government controls behind that, you’ll never see these initiatives in a good light ever again. They could allow housing to become affordable again, if they’d stop interfering with everyones contractual obligations and feeding defaulted units to big corporations upstream of regular people. But then whom would substitute those big political donations and special favors? And if they allowed such a thing to happen, for irresponsible people to get exactly what they deserve and deal with foreclosure and accountability, every one of them would personally deal with a little home devaluation too, exponentialized for all their rental properties. Can’t trust anyone within government these days. Don’t steal, the government hates competition.

WOW had no idea. Will the main stream
MEDIA report on such an atrocity? Doubt it! Does not fit the left support the poor and the white man/woman does not narrative. Thanks for sharing! Feel sorry for those poor people who have no clue until they go to “cash in” for retirement.

Found yet another gem free reading news today. Oh the miracles of the internet.

Who really wants to help the poor? Article on real world results of subsidized housing.

https://pagetwo.completecolorado.com/2021/07/21/caldara-affordable-housing-scheme-a-con-job-on-the-poor/

https://www.kunc.org/news/2023-08-03/in-rural-larimer-county-scant-property-sales-data-mean-more-property-valuation-errors

The hits keep on coming.

Automatic valuation models utilized by county assessors. Incredible fail rates where more in rural and semi rural are not accurate then were. Exponential over valuation levels, hundreds and hundreds of thousand per instance.

Oh, handbook references. That is an inspired take.

https://www.hud.gov/sites/dfiles/SFH/documents/Handbook%204000%201%20Redline%20for%2020230118.pdf

HUD pdf complete handbook online. Use Control+F to bring up the search bar.

Enter the search term; Comparable.

There are 100 instances according to results. Too many direct references to bother even quoting or clipping. This is incredible, the HUD director stands in naked violation of the HUD handbooks own directives and guidance. There are 862 results for the word; appraisal. 52 matches for the term; director.

Hey, look at this, now that’s worthy of a screen clip. Does anyone have a pen, a piece of paper, an envelope, and a stamp I could borrow? Or basically every time Mrs Fudge mentions an appraiser, call the complaint hotline. Has she even read the dang HUD handbook?

If the Mortgagee suspects HUD employees or contractors were involved in fraud or
material misrepresentation, the Mortgagee must refer the matter directly to HUD’s
Office of Inspector General (OIG)). All referrals to the OIG should be made to the
OIG Hotline’s call center at 1-800-347-3735 or via the OIG Hotline’s website at
http://www.hudoig.gov/hotline.

Agree and that is EXACTLY what they would like us to do. Calling it Reparation values. Go to that white neighborhood down the street and use those comps to provide value. Now I cannot see Fannie, Freddie, HUD going along with this idea, but that one Appraiser in MARIN county was sued for doing just what we should…used comps inside the same development as the Subject. They claim we are perpetuating the low values and built in bias over the decades!

When the very people they are trying to protect are under water on their over inflated loans all hell will break loose and again they will try to blame US the Appraiser for letting this happen! First of all any Appraiser who even considers going outside the neighborhood to artificially inflate values should be fined and have their license revoked. But some will do this to avoid being SUED! Very sad state of affairs. As Tobias Report shows the unintended consequence will be that many Appraisers will AVOID at all costs appraising homes in areas where the owners will cry bias and sue you!

Then again, this is the provenience of our own lands where we all live, the American desert we all share. Those whom do not know history remain condemned to repeat in a never ending cycle. It is simply impossible for a government to save itself from it’s own people. If the managerial class really wanted to help, they could simply back off, take lessons from history, cut the red tape, allow more freedom and liberty for individual citizens to live their lives free of an excess of government imposition and free of excess taxation where monies are inevitably embezzled and wasted through inefficiencies. Then we’d all have more opportunity irregardless of trait. Besides, what they advocate for, higher housing prices and higher housing price taxation, will not help anyone in the end. In times of plenty our houses and lands should cost less, not more.

Related
https://pagetwo.completecolorado.com/2023/04/26/caldara-central-planning-housing-affordable/
And this.
https://appraisersblogs.com/top-dei-bosses-at-financial-institutions-have-a-problem-diversity