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Evaluating Inconsistencies in Assessment Regressivity Across Property Classes
Real Estate Economics, 2026
Property tax assessment is severely regressive within large residential, commercial, and industrial classes in Cook County, and the appeal process makes it worse rather than better.
Flood Insurance Repricing as a Mortgage Credit Shock: Evidence from FEMA’s Risk Rating 2.0
Working Paper, 2026
Actuarial flood insurance repricing in Florida cut sale prices 2% and mortgage approvals 1.4pp, concentrated among low-income applicants — evidence of a lender-mediated affordability channel.
Political Alignment and Neighborhood Choice Among Homebuyers
Working Paper, 2026
Linking North Carolina voter records to 250,000+ housing transactions, we find buyers are markedly more likely to purchase in politically aligned neighborhoods — an effect that shrank from 2010 to 2019 despite rising national polarization.
What Lenders See and Miss: Job-Loss Risk in Mortgage Lending
Job Market Paper, 2026
Using LinkedIn career histories of more than 52 million workers, I build job-loss risk indices that predict early mortgage default — yet lenders only partially recognize this risk, and the unpriced exposure is transferred to the secondary market.