Rent control is often sold as an affordability solution, but that's not what this movement is really about. In this solo episode, Ron Phillips breaks down recent statements from New York City housing leadership that openly frame rent control as a tool to destroy asset value and weaken the real estate industry. Ron explains why this isn't about helping renters, how government price-setting undermines private property rights, and why these ideas aren't confined to big coastal cities. He also shares what investors and homeowners can do now to protect wealth and maintain control in an increasingly politicized housing landscape.

WHAT YOU'LL LEARN FROM THIS EPISODE

• How "social housing" reframes housing away from wealth building

• The difference between market pricing and government price setting

• Reasons why local and state elections matter more than most people realize

• Main impacts of rent stabilization on private property rights

• Why affordability problems aren't caused by landlords or investors

CONNECT WITH US:

• If you need help with anything in real estate, please email invest@rpcinvest.com

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter

Bold ideas are flying around Washington, but not all of them solve the real problem. In this episode, Ron Phillips breaks down a proposed plan to allow Americans to use their 401(k) funds to buy a home. While the idea sounds helpful on the surface, Ron explains why removing early withdrawal penalties doesn't fix affordability—and could actually make it worse. He walks through the tax implications, supply constraints, equity mechanics, and why government policies continue to miss the mark on housing costs, even when intentions are good.

WHAT YOU'LL LEARN FROM THIS EPISODE

• What the proposal to use 401(k) funds for home purchases actually allows

• How 401(k) loans already exist—and why this idea may not be better

• The difference between personal residences and self-directed real estate investing

• Why increased access to money worsens affordability when supply is constrained

• 2 ingenious ways to outperform traditional market returns

CONNECT WITH US:

• If you need help with anything in real estate, please email invest@rpcinvest.com

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter

Institutional investors are often blamed for America's housing affordability crisis, but are they really the problem? Ron Phillips breaks down recent claims about banning institutional investors from buying single-family homes and explains why the numbers don't support the narrative. He walks through actual ownership data, highlights why government regulation and inflation play a far bigger role in rising home prices, and challenges listeners to look past political talking points and into the real drivers behind housing supply, demand, and affordability.

WHAT YOU'LL LEARN FROM THIS EPISODE

• How much of the housing market do institutional investors actually own

• Why blaming large investors ignores the real affordability drivers

• The breakdown of owner-occupied, rental, and vacant housing in the U.S.

• Main factors that inflate construction costs

• Unintended consequences of government intervention in housing markets

RESOURCES MENTIONED IN THIS EPISODE

• Why It's Nearly Impossible to Build Affordable Housing in America with Brian Mertz

CONNECT WITH US:

• If you need help with anything in real estate, please email invest@rpcinvest.com

• Reach Ron: RP Capital

• Leave podcast reviews and topic suggestions: iTunes

• Subscribe and get additional info: Get Real Estate Success

• Facebook Group: Cash Flow Property Facebook Community

• Instagram: @ronphillips_

• YouTube: RpCapital

• Get the latest trends and insights: RP Capital Newsletter