U
.S. housing activity has slowed, prompting the Federal Reserve to cut the federal funds rate by a quarter‑point in September and set the benchmark at 4.25%. The Fed cited a softening labor market and potential housing weakness, and Chair Jerome Powell said the central bank will not intervene directly in mortgage markets.

    Despite the rate cut, the market remains pressured. ATTOM Data reports foreclosure filings up 20 % year‑over‑year in September, with one in every 3,997 homes filing. Homebuilders still face high borrowing costs, and renovation activity has slowed; Barrons notes the rate cut’s benefits will take time to reach the economy.

    The National Association of Realtors predicts a sales rebound as mortgage rates decline and inventory improves. NAR chief economist Lawrence Yun expects a boost in the coming months.

    Census and HUD data show 800,000 single‑family homes sold in August 2025, a 20.5 % rise over July’s 664,000, indicating a modest recovery amid ongoing homeowner challenges.

    New low‑cost landlord platforms, such as those launched by Jeff Bezos, let investors start with as little as $100.