{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Mortgage Wise with Mike Wise","title":"Mortgage Lock-In, Housing Shortage & Smart Debt: Mayor Mikey Taylor on Real Estate Reality ","html":"","width":"100%","height":180,"duration":3063,"description":"Mayor of Thousand Oaks and real estate investor Mikey Taylor joins Mortgage Wise with Mike Wise to break down what’s really happening in today’s housing market. From California’s aggressive housing mandates and the “builder’s remedy” to interest rate whiplash, the lock-in effect, and why younger generations view homeownership differently, this episode digs into the emotional and financial side of real estate decisions.  They also unpack financial freedom, passive income, and why treating your home as an investment can backfire emotionally. In the final segment, Mike walks through the All-In-One loan strategy that turns your mortgage into a flexible line of credit, giving investors more control over equity and cash flow.  Perfect for homeowners, first-time buyers, investors, and anyone trying to make sense of housing, rates, and long-term wealth building.  Timed Highlights:   00:21 – Meet Mayor Mikey Taylor of Thousand Oaks  01:09 – How the mayor role works and why it’s so demanding  02:08 – What Commune Capital does for passive real estate investors  02:49 – Why 1031 exchanges are tough with ground-up development  04:08 – State housing mandates, builder’s remedy, and loss of local control  05:50 – Where do you put 3,000 new units in a built-out city?  06:22 – New developments, traffic concerns, and ADUs  08:06 – Population decline in Thousand Oaks and 25-year growth outlook  09:17 – Pivot to interest rates, inflation, oil, and geopolitical conflict  11:08 – Will rates actually come down in the next 6–12 months?  11:41 – Monetary policy, money printing, and “short-lived” inflation shocks  12:00 – Glenn Beck’s “cancer and chemo” analogy for the economy  13:01 – The real problem: prices vs. rates and lack of a housing reset  14:04 – The lock-in effect: why nobody wants to give up a 2–3% mortgage  15:05 – Structural lack of housing supply and decades of underbuilding  16:25 – Population growth vs. housing growth: the basic math  17:14 – Austin, overbuilding, and why...","thumbnail_url":"https://img.transistorcdn.com/5UPkSvv9JEMwDH0oWaEv_UGvGgB29cjS0PuAovSiQIA/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS85MjYy/OWZkNjNjNTUyZWQ5/MzYxZmM3ZTJlNTcz/ODk5My5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}