Independent thinking for complex markets and current events
Authored by Charles Hugh-Smith via oftwominds, How much private credit has been put in place but isn’t in the official credit total is unknown and very likely unknowable. That means total systemic risk is also unknowable. Everyone wants to lend us money now, even though they’re not banks: the insurance company Progressive offered us a loan, …
While everyone clocked out for Friday, On October 31st, another subprime lender, Bayside Credit is no longer originating loans. We updated our clients on the impacts today. Another “isolated” event, for sure. — Unicus (@UnicusResearch) November 2, 2025 In October 2025, the financial world was rocked as PrimaLend Capital Partners, a leading subprime auto lender, …
WARNING 🚨 BANKS BORROW $50 BILLION IN EMERGENCY LIQUIDITY FROM FED REPO WINDOW TODAY ‼️ 🚩 $20 BILLION THIS MORNING AND $30 BILLION MORE IN THE AFTERNOON ⚠️ CRISIS INCOMING 🚩 https://t.co/lLWvoC191y pic.twitter.com/ekoTvK6ewz — The Butcher of Wall Street Marcel Kalinovic (@BossBlunts1) October 31, 2025 🚨BREAKING: FED PUMPS $29.4 BILLION INTO MARKETS OVERNIGHT! The Fed …
🚨 $20.35 BILLION Borrowed from the Federal Reserve Lender of Last Resort this morning! This is an All Time High since the $GME Sneeze! BOJ is helping out today with ~$1B too. pic.twitter.com/uILF9TbkNM — WhatCanIMakeToday (@WhatCanIMT) October 31, 2025 US BANK RESERVES FALL TO $2.8 TLN, LOWEST SINCE 2020 Liquitity is draining from the system …
If you cannot afford to put equity down against any leverage you take on to buy an asset not only you are almost guaranteed to fall into negative equity, but also to become “slave” of your lender that will let you pay for any loss from foreclosing and dumping your home collateral https://t.co/8b9AUE6SyM — JustDario …
Not sure what their occupancy is, but maybe go easy on those rates! The Hyatt across the st has similar ratings and nearly half the price. pic.twitter.com/AHIam93k50 — Pritesh | Indie Hotels (@PriteshSMB) May 28, 2024
And what happens when home values go down? No way to refinance and no way to sell without coming up with tons of cash out of pocket. In the last crash, it took over ten years for home values to recover. pic.twitter.com/f881uraBO0 — Mike Roberts (@MyHECM) May 17, 2024 In a shocking move that could …
The commercial real estate sector continues to experience elevated stress. The latest crack to emerge is the increasing number of delinquencies on multifamily mortgages. The borrowers who took out these loans typically used them to purchase multifamily complexes, intending to renovate and flip them at a profit. However, many are now struggling with their floating-rate …
Seems desperate. “Powell & Co. plan to force banks to borrow from them – or else” “It’s an attempt to prevent any financial institution from failing, no matter how insolvent it becomes… Consolidating all bank lending into the central bank’s direct control. The Fed wants to be not just the guiding hand but the sole …
https://twitter.com/Willamthe2nd/status/1688574110824026112
Great chart from PPG Macro showing delinquency issues beyond the large lenders. It seems that small lenders are increasingly exposed to overly risky loans. Commercial real estate loans are yet another example. Follow us @KobeissiLetter for real time analysis as this develops. — The Kobeissi Letter (@KobeissiLetter) August 2, 2023 Throughout ‘23 US default risk …
This on the back of several other large property white flag wavers in past few weeks. seems companies can’t bail out of SF fast enough. With malls in Democrat-malgoverned cities overrun with feral packs of Youth for Biden stealing & preying on the last of the paying customers, it’s no wonder failing malls are being …