Ed Parcaut and Mike Kelly cover national housing inventory, price reductions, mortgage affordability, FICO versus VantageScore, California and Stanislaus County real estate numbers, San Francisco AI wealth, Turlock housing pressure, Malibu coastal erosion, and buying versus renting.

National inventory rose to 883,673, median list price dipped to $439,900, days on market held at 70, and price reductions reached 42.14%.

Ed explains why a $70,000 income may not support a $500,000 home in today's rate environment, why FHA, VA, conventional, mortgage insurance, taxes, and debts matter, and why buyers should let the lender run the full picture before assuming they are out.

A full Real Estate Jerky market update with something to chew on.

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