The David Lin Report Rents Are Crashing And Your Landlord Knows It, Here’s How To Negotiate | Ron Butler
Apr 3, 2026
Ron Butler, principal mortgage broker and host of The Angry Mortgage, brings decades of Canadian and U.S. housing market know-how. He breaks down regional market gaps, rising foreclosures, and why homeowners refuse to move. He discusses falling rents in major Canadian cities, builders’ hesitancy, energy’s role in inflation, and when renters might get leverage to negotiate.
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Locked In Low Rates Keep Supply Artificially Tight
- High existing fixed mortgage rates keep owners from selling and shrink supply even as demand falls.
- Ron Butler explains homeowners refuse to give up 2.99% mortgages while new buyers face ~6% rates, creating market stagnation.
Builders Pause Construction Until Rates Improve
- Builders halt new construction when high mortgage rates and weak first-time-buyer demand make projects uneconomic.
- Butler says homebuilders sit on land and wait for lower rates before financing inventory, widening the housing supply gap.
Local Rules And Overbuilding Drive Regional Price Divergence
- Regional regulatory shocks and overbuilding create divergent local markets.
- Florida condo engineering rules crushed older high-rises while Austin overbuilt during a boom, causing localized price drops.