those investors who lived through the great recession of 2008 are understandably concerned about the current state of the housing market in the us while prices and inventory have shifted along with rising interest rates the fear of replicating the housing disaster of 2008 is for the time being probably unfounded the most obvious differentiators between the housing crisis of 2008 and today’s housing market are twofold first the recession which coincided with the housing market crash was fueled by bad loans at the time the george w bush administration joined forces with fannie and freddie mac to launch an “everybody deserves home ownership” subprime mortgage campaign for people unfortunately those people eventually showed they were incapable of paying back their loans banks were also at fault scooping up these mortgages under the belief that they were sound because fannie and freddie backed them they were not and mass bankruptcies ensued the federal government certainly learned from that experience and new regulations are now in place making mortgages much tougher to get in 2022 the second factor not in play today is the number of adjustable rate mortgages arms owned in 2008 arms are loans with an interest rate that adjusts based on the fluctuation of market rates and are much less predictable and risky especially in recessionary times like 2008 that year when the housing market crashed arms represented a much higher percentage than they do now the washington post reports that over 30 of loans were arms in 2008 but today according to nbc they only represent 8 of home loans for more than 35 years billionaire grant cardone has been investing in real estate and claims he has never lost money on a multifamily real estate investment since founding cardone capital in 2016 it has raised over 900 million across 21 funds from over 11000 accredited and nonaccredited investors cardones real estate portfolio includes nearly 12000 apartment units across 36 multifamily properties and over 235000 square feet of commercial office space he views the current fluctuating housing market like in 2008 as an investment opportunity i believe we are entering the best real estate market opportunity since 2008 with the fed raising interest rates it has sidelined home buyers which means prices are going to pull back if you are an enduser looking to enter the housing market now is a great time to buy a house 1520 cheaper than it would have been at the beginning of the year  said cardone finding one to buy is a more significant issue although the supply of homes for sale was up 27 at the start of september according to realtorcom its not enough to offset the pandemicinspired period of home shortages as the current inventory is still 43 lower than in 2019 the chief economist at redfin corp daryl fairweather told newsweek recently that during a recession home prices fall between 2 and 4 and if a crash happened now the downturn would remain in that range   arrived homes expanded its offerings to include shares in shortterm rental properties with a minimum investment of 100 the platform has already funded over 150 singlefamily rentals valued at over 55 million read more   the flagship real estate fund through fundrise is up 73 year to date and has just added a new rental home community in charleston sc to its portfolio real more find more news insights and offerings on benzinga alternative investments