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Why Housing is Broken, and why 50-Year Mortgages are not a Fix
Tyler J. R.
November 11, 2025
An in-depth look at today’s housing affordability crisis, examining investor-driven demand, decades of underbuilding, and why solutions like 50-year mortgages fail to address the real problem.
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Sivworks was founded to be the most value-centric site in the world. The lack of understanding of value has caused the world to experience consecutive bubbles, inflation, and an explosion of debt. A sense of value is the beginning of stability and improvement.
