Miller Samuel CEO Jonathan Miller Talks Institutional Investors in Real Estate Market

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What does President Trump propose regarding institutional investors in real estate?

Scarlet Fu 0:02
Bloomberg Audio Studios, podcasts, radio, news. President Trump says he wants to ban institutional investors from buying single-family homes in a truth social post. Yesterday, he said that housing should be for people and not corporations. His proposal sparked market reaction, of course, on homebuilder stocks and landlords of single-family homes. Let's bring in Jonathan Miller. He is president, CEO, and co-founder of the real estate appraisal and consulting firm Miller Samuel. And Jonathan, you and other experts in this space have made the point that institutional investors are not a big player in the single-family rental market, yet they make for a convenient scapegoat. Why is that?
Jonathan Miller 0:43
Well, I think that, you know, they're very much in the public eye, very visible. They only account for about 1% of the single-family housing stock, and it's so banning them from purchasing. I think the perception with the public is that they dominate inventory. They basically, you know, one of the most challenging aspects of housing and why we're in an affordability crisis is because there's been inadequate supply. Okay. However, they're very tiny. They're a 1% sort of number. And then on top of it, the highest concentration of institutional investors, Wall Street per se, is in the South, the Sunbelt, which has excess supply right now. So I I'm having a hard time connecting the dots on how this will help improve affordability.
Jonathan Miller 1:38
I think it's a non-issue, generally, for solving that problem.
Scarlet Fu 1:43
You make a lot of important points, and it's a reminder of how, at the end of the day, real estate is very local. Housing supply and housing demand is very local to each specific market. When it comes to perceptions, there is this sense that these institutional investors, Wall Street type of firms like a Blackstone, play this outsized role. And part of it is because they came in during the financial crisis or in the wake of the financial crisis and did swoop in and buy a lot of single family homes at a time when Americans were losing their homes. So that looms large in the public consciousness.
Jonathan Miller 2:17
Absolutely. The perception, perception is value. And so they were highly visible coming in and sort of scooping up 2012, 2013, a tremendous volume of foreclosed homes after the financial crisis and have made it work. And some of the firms have even sold off part of their portfolios as the market has peaked in the last couple of years. So I see this as disconnected from what the actual problem is.

Why are institutional investors perceived as scapegoats in the housing market?

Jonathan Miller 2:56
The problem is to enhance affordability. And I don't think the institutional aspect of the housing market has much to do with it.
Scarlet Fu 3:07
Right, well, to be fair, President Trump is not the only one who has suggested something like this. Elizabeth Warren, the Massachusetts senator, has also said something similar. So this is a bipartisan kind of approach to trying to tackle affordability in the housing market. You say the solution is to build more housing, but that takes a long time. That's not something that happens overnight. What kind of timeline are we talking about, even if you could open the spigot and just allow builders to start building more homes?
Jonathan Miller 3:35
Yeah. And also, too, you know, a lot of the housing that we're building is skewing to the higher end because of land costs, because of product costs, because of labor costs. All those things make it very difficult. But if you create oversupply or modest oversupply, you place pressure on uh on housing prices and and that sort of melts into the next layer below that and then below that it is not a surefire solution but it's just one of those things the other thing is uh you know a lot of the challenge of single family affordability has been zoning and cities like minneapolis have um banned single family zoning uh new new construction within the municipality and trying to move towards multifamily in high-density areas.
Jonathan Miller 4:24
There's many things that can be done. I think, to your point, that both sides of the aisle are disconnected from the actual problem in this idea that inventory is...

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