Investment Strategy

Illinois' Mortgage Profit Cap: A Gimmick or a Game Changer for Buyer Demand?

September 12, 2025

In a bid to address persistent housing affordability challenges, a new piece of legislation is making its way through the Illinois General Assembly. The bill, which has gained traction in recent weeks, proposes a cap on the percentage of profit lenders can earn on residential mortgages. Proponents argue this move will lower borrowing costs, sparking a much-needed surge in buyer demand. But for investors and market participants, the question isn't whether the intent is good, but whether the outcome will truly solve anything—or simply add a new layer of risk to an already complex market.

Chicago's Waterfront Reckoning: Are Industrial Price Declines a Warning for the Broader Market?

September 9, 2025

For years, Chicago’s industrial real estate market has been a story of relentless growth, driven by a booming logistics sector and insatiable demand from e-commerce giants. But a new, troubling narrative is emerging from an unexpected corner of the city: its industrial waterfront zones. We're seeing a notable deceleration, even outright price declines, in areas once considered prime for development. The question for investors is no longer if this is happening, but what this highly localized downturn signals for the wider Chicago and Midwest markets.