{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"The Lock-In Economy - Jason Hartman - #6370","description":"Mortgage rates tripled. The crash never came. In this Episode Kerry Lutz and Jason Hartman break down why U.S. housing didn\u2019t collapse when borrowing costs exploded. Nearly 25% of homeowners hold mortgages at or below 3%. About 65% are at 4% or less. That \u201clock-in effect\u201d crushed supply and froze mobility. Fewer than 800,000 homes are listed nationwide \u2014 under 0.6% of America\u2019s 140 million housing units. Owners won\u2019t give up cheap debt. Inventory stays tight. Hartman believes this imbalance could persist into 2032\u20132033. Scarcity and utility continue driving prices \u2014 even after the rate shock. The conversation then shifts to immigration and rental housing. Hartman argues most undocumented migrants occupy lower-tier rentals, meaning enforcement shifts would likely hit C-class properties first. They also discuss Sun Belt migration trends and investor tools like PropertyTracker and Empowered Investor for sourcing income-producing properties. If you\u2019ve been waiting for a housing crash, Kerry and Jason explain why it hasn\u2019t happened \u2014 and what could finally change the equation. Find Jason here: https:\/\/www.jasonhartman.com Find Kerry here :https:\/\/khlfsn.substack.com and here: https:\/\/inflation.cafe    Kerry's New Book \u201cThe Armstrong Economic Code: The 5 Truths Investors Must Never Forget\u201d is out now on Amazon!  Get your copy here:   https:\/\/a.co\/d\/bvYbZOz  \u201cThe World According to Martin Armstrong \u2013 Conversations with the Master Forecaster\u201d is a #1 Best Seller on Amazon. . Get your copy here: https:\/\/amzn.to\/4kuC5p5 ","author_name":"Kerry Lutz's--Financial Survival Network","author_url":"https:\/\/FinancialSurvivalNetwork.com","html":"