Housing decisions aren’t made on interest rates alone. Greg invited Valparaiso broker-owner Matt Evans to break down the real levers behind today’s market: monthly costs that hide in plain sight, the changing shape of local supply, and the life events that won’t wait for a perfect APR. From the practical “date the rate, marry the home” mindset to the math behind taxes, HOAs, and insurance, we map the budget items that determine whether a home truly fits.We explore why new construction has become pricier—due to land, labor, and materials—and how local efforts are expanding the availability of attainable housing to rebuild equity for first-time buyers. Matt shares where inventory is tight, why luxury lots matter to a balanced ecosystem, and how updates to zoning and comprehensive plans guide future growth. We also look at the powerful pull from Illinois: better South Shore Rail service, transit-oriented development, and the Valpo Dash keep Chicago within reach while preserving Northwest Indiana’s pace and value.For investors, we compare hands-on strategies with hands-off options. REITs offer diversified exposure and potential dividends, while local rentals benefit from sound structures such as LLCs. Flipping hasn’t vanished, but slimmer spreads and higher rehab costs mean only true value-add projects pencil out—cosmetic flips are rarely enough. Along the way, we underline the costs that most often surprise buyers and second-home owners, including rising insurance premiums and HOA assessments that can double or triple over time.Ready to make more innovative moves with precise numbers and realistic expectations? Tap play, subscribe to new episodes, and share this conversation with someone weighing their next step. Your feedback helps us bring more grounded, valuable insights to your feed—leave a quick review and tell us what topic we should tackle next.Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may suit you, consult the appropriate qualified professional before deciding.

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