First-Time Buyers vs. Investors: David Still Wins—But Not Everywhere

Investors are grabbing a growing share of America’s starter homes—but first-time buyers still win 69% of the time nationally. Tim Lucas and Craig Berry break down new research from Neighbors Bank showing where first-time buyers thrive, where investors dominate, and why the picture varies so dramatically city by city.In this episode you’ll learn:National breakdown: First-time buyers claim 69% of starter homes; investors take 31%.Hotspots for investors: Cities like Miami (57%) see investors buying more than half of all entry-level homes.Who owns our neighborhoods: About 1 in 11 U.S. homes is investor-owned, but in places like St. Louis and Harrisonburg, that jumps past 20%.Why local laws matter: Cities with tighter rules on short-term rentals or investor limits see more successful first-time buyers.The core tension: Large investors provide needed rentals—but also squeeze out aspiring homeowners.The path forward: More affordable housing, smart ownership policies, and balancing investor participation without letting them dominate.Read the full article:https://www.mortgageresearch.com/articles/first-time-home-buyers-vs-investors-david-still-beating-goliath-in-some-markets-says-report/