A few signals in the Louisville housing market are lining up in a way that’s easy to miss if you’re only watching headlines.First, other states are finally addressing housing affordability at the structural level. and have moved to relax land-use rules so starter homes on smaller lots can actually be built again.

Cost seg is looking at the structural components of the property that come with purchase, not at the items you buy after you acquire the property.

Different exits require different debt structures.

Financing structure matters far less than whether the asset can reliably produce income.A few practical points:If the building is vacant now, that’s the market giving you feedback.

It seems as if most sources of real estate agent information are all about lead generation If you're trying to build a list of agents in a specific market, one approach that works well is combining data from:• local MLS directories• Realtor.com "Find an Agent" by zip code• county property appraiser records (to see which agents are active on transactions)• and investor-focused Facebook groups where agents post active off-market listingsAlso, if your goal is to connect with agents to source more off-market opportunities, I help several investors with targeted outreach campaigns (calling agents and sellers) to build consistent deal flow in their target markets.If you'd like, I can share how some investors structure their outreach to agents to get more off-market leads.

AI cannot fix structurally poor inputs and may amplify errors if results are over-trusted.How to Use AI ResponsiblyBefore relying on AI-driven insights, ask:What decision does this inform?

Initially I did 15 year, no-doc loans for properties that were little more than shells.

I’d be glad to discuss this further and help you think through a structure that will scale with your plans.

The fun (and sometimes tricky) part is figuring out how to structure everything so you keep more of what you earn while you grow.

It’s a structural demand shift.Fewer children means less family formation and less forced homeownership.Instead of prioritizing square footage, schools, and permanence, more households are choosing flexibility, mobility, and convenience, all which favors renting.If this trend continues, births will fall below deaths within a decade.That likely means:Higher rental demandLess “must-own” housing demandHome prices need to adjust to attract buyersRates, supply, and zoning get all the attention, but demographics like this cannot be ignored.