If you try to fail and succeed, which one have you done? ~ Zillow
I want to thank all of the Hot List subscribers who married my inbox with the past week’s deluge of Zillow based media content. For those unaware of the Zillow giant’s giant stumble, a gaggle of those articles are linked at the bottom of this post. In a nutshell: Zillow is the first of the Big Three digital platform Real Estate machines (Opendoor, Offerpad, Zillow) to admit they have a problem. Their algorithm diet gave them a case of property diarrhea. Karma notches another win.
Grab a coffee and a catheter, we’re going on a journey to an unexpected destination. Let’s go forward by first going back….
FLASHBACK July Fourth weekend, 2021 – We alerted our Hot List readers that Opendoor, Offerpad, and Zillow were screeching into a hairpin turn, performing a sudden about face and discounting For Sale properties in Costco bulk sized chunks. This was their “Oh Shit!” moment the media is just now reporting about. Opendoor, who had been the biggest catalyst in raising 2021 valley home prices, would go on to slash prices on 100-140 properties every Friday .That weekly sacrifice lasted months. These weren’t bite size price drops mind you, they were peeling $10k-$20k off each property week after week, often selling those properties for significant losses.
At that time Opendoor was King of the Hill inventory-wise, owning more than 5,500 homes in Maricopa County. Less than 500 of those 5,500+ Opendoor owned homes were actually listed For Sale. Over 90% of the homes Opendoor owned were warehoused Off Market. There were less than 6,000 homes available in the entire MLS.
This is a Not Good situation for any housing market:
Only 6,000 homes were available For Sale.
Over 5,000 additional homes were being warehoused off market by ONE owner, Opendoor.
We asked, “How close to market manipulation does a corporation have to drift before authorities notice?”.
ZERO authorities noticed. None. The Arizona MLS politburo did not care. The Arizona Association of Realtors did not care. The SEC did not care. Opendoor is under the authority of rule by each of those entities. The question remains, are these authorities ignorant or complicit? The answer could be both.
Why it matters:
Imagine there is a drought. No rain. Wells run dry. City water supply drained. You just ate a box of saltines. A truck arrives downtown with one case of bottled water. Drops of Heaven! Thousands are thirsty. We have 24 bottles to divide amongst them. Wait. Scratch that. Opendoor just bought 10 of the bottles, which they’ve locked in their car trunk. Thousands are thirsty. We have only 14 bottles to divide amongst them. Do you think Opendoor has an undue influence on the cost of a bottle of water in this scenario?
This is the question the governing authorities of our Phoenix housing market ignored as this three-headed Tech monster swallowed our 2021 housing inventory. July was the peak of this market imbalance. Opendoor’s personal stash has shrunk substantially since then, but we are still driving to Valhalla all shiny and chrome today:
Current Arizona MLS Snapshot 11-3-2021:
Opendoor owns 2,486 properties – 707 are Active For Sale
Offerpad owns 278 properties – 118 are Active For Sale
Zillow owns 1,080 properties – 272 are Active For Sale
Combined, the Three Headed Tech Beast owns 3,844 residential properties, only 1,097 of those are Active For Sale.
72% of their combined inventory is NOT FOR SALE. 2,747 homes remain locked in the car trunk.
The Arizona MLS has less than 7,300 residential properties available For Sale. One month supply. A housing shortage crisis.
And you may ask yourself, “Well…..how did we get here?”
SMOKING O.P.M.
Other People’s Money can’t buy you love, but it can overpay for THOUSANDS of properties before anyone asks why. Opendoor, Offerpad, and Zillow are publicly traded “Tech” Companies. Unlike the common home buyer, these digital dollar dealers did not build equity over time, or save up money, or work long weekends to nudge ahead just enough to enter the home buying arena. No, they simply lined up at the New York Stock Exchange trough and inhaled. How’s that working out for them?
Opendoor
Stock Price Peak: $39
Current Stock Price: $21
Offerpad
Stock Price Peak: $21
Current Stock Price: $7
Zillow
Stock Price Peak: $208
Current Stock Price:$70….$68….$65…LOOK OUT BELOW!
They call them bubbles because their outlines grow from ground level, inflate into the sky, then descend back to ground level. Inside every bubble is a gaseous cloud of investor hope and misconception, an unlimited natural resource. These Tech Real Estate companies were hot rockets this spring as they grabbed the housing market’s steering wheel and drove it skyward. This strategy of restricting inventory while accumulating inventory, raising prices with every housing transaction, Buy or Sell, sent housing values to the moon. When three companies become the largest volume Buyers, and largest volume Sellers, in ANY commodity market, the future involves a cliff. Corporations are too big to avoid failing.
One of the funniest aspects of the stock market is that every time one person buys, another sells, and they both consider themselves geniuses for it. This Tech-Real Estate business model was beautifully built to punch holes in a stock trader’s pockets. The pitch was basic, “We’re going do to Real Estate what Amazon did to bookstores.” And they lapped it up! One stock broker is born every minute.
Zillow, the best known of the Big Three, made news this past week after their CEO dropped this press release zinger, “We’ve determined the unpredictability in forecasting home prices far exceeds what we anticipated,” Zillow CEO Rich Barton said in the release. “Continuing to scale Zillow Offers would result in too much earnings and balance-sheet volatility.”
You had me at “Whoops”. Who knew digital platforms had a self-destruct button? Zillow claims they are shuttering the iBuyer portion of their digital platform. However, according to public property records, Zillow is still Buying properties here in Phoenix this week. The media fails to mention this fact in any of their articles. Words speak louder than Actions apparently.
These digital platforms were designed to be Real Estate market infiltration units. Part man, part machine. Underneath it’s a hyperlinked combat algorithm, micro-processor controlled to increase investor profits, fully armored from making sensible human decisions. Very tough. Equally dumb. But outside it’s a living breathing website with diversity cast smiling people and their glowing review experiences using this super easy, barely an inconvenience, New Way to buy and sell properties using the internet!
“The internet is an excellent source for truth and honesty” ~ Abraham Lincoln
MEET OUR NEW SUPERMODEL, SHE’S AMAZONIAN
Outside of truth and rationality, you can buy anything off the internet. There are websites offering custom tailored suits for prices far less than a traditional tailor. This suit-yourself website enjoys zero brick and mortar overhead costs, next to nil staffing costs, and the measurements required to make that suit fit perfectly are provided by your labor, as well as your extensive body measuring experience. There is a line of humans eager to enter this deal, one of those is born every minute too.
Amazon began its life burning down bookstores. Back in the 90’s, while fledgling Netflix was mail-order bride bashing Blockbuster stores into oblivion, a start-up company from Seattle decided to go postal on bookstores in similar shipping shape fashion. Much like DVDs, books were small in size and simple to send through the mail. Amazon struck gold undercutting bookstores, bypassing brick and mortar costs by way of the Post Office. Success was certain, but not swift, so Amazon introduced a brand new growth concept to the business universe: The Non-Profit. Amazon operated at a LOSS for its first decade in business, fueled forward by stock prices that soared every time a rival bookstore chain died in their harms. Established giants tumbled like dominoes to Amazon’s Capital Punishment. Waldenbooks, Crown Books, Borders Books, graveyard companions all, leaving Barnes and Noble precariously clinging to the last sliver of streetside cliff.
Once the dust cleared, revealing barren bookshelves across America’s Main Streets, Amazon crowned itself the last book seller standing. The exchange of profits for control was complete. Competition slain. Now Amazon could charge whatever they wished for books. Consumers had shipped themselves a marketplace of one.
WINNER: Amazon
LOSER: Everybody else
Wall Street erupted in cheers. Thus began the extinction of customer service, the rise of couch consumers, and ultimately delivered Main Street’s demolition derby destiny. Amazon’s click and send convenience was the candy-coating outer shell hiding a profit model with no profits. No immediate profits anyhow. Death takes time. Wall Street, an out-of-control money machine running on risk, rewards, and cocaine, ate this stuff up. YOU MADE MONEY BY NOT MAKING MONEY!?! Where do we sign? Wall Streeters recognized Amazon’s intoxicating main ingredient: Market Control.
LESSON: The smart way to keep people passive, obedient, and pickpocket possible is to strictly limit the spectrum of availability. Control the market and you control consumers.
Today E-commerce is the Serengeti plains of modern-day merchandising, forcing retailers and product producers alike onto a supply and demand Tilt-A-Whirl ride where craftsmanship and quality take a backseat to technological skills and shipping fees. It’s easier to glam up a website than it is to upgrade a factory. Style has substance in a headlock. Consumers have exchanged touch-and-feel choices for click-and-deliver convenience. If there’s anyone to blame for product quality going the way of the Boy Band, folks, it’s us. Modern Americans value convenience over quality, expedited over experience. So…..what if someone could pull that same switcheroo with the Real Estate Market?
INTRODUCING OPENDOOR, OFFERPAD, AND ZILLOW
E-commerce devoured Main Street, now it’s appetite for destruction has developed a taste for Home-made meals. Imagine if you will a fleet of Houses, those useful standing structures humans live inside, listed For Sale in the same swipe-left-app format Amazon uses to sell HDMI cables. Imagine completing a home purchase with the simple mouse-click convenience of a pizza order. They’ve heard your cries, “Selling a home is stressful and expensive!”…so now you can place your real estate transactions in the capable hands of a Roomba. Let’s learn how this gizmo thingamajig works…
iBuying, iSelling, iCaramba!
In the digital real estate system the transactions are represented by two separate yet equally shortsighted methods. The iBuyers who acquire the properties and the iSellers who give them away. These are their stories: DUN-DUN
Meet your new neighbors; iBuying and iSelling. From what we’ve observed the “I” stands for Imbecilic or Idiotic or Indifferent or Intellectually Inept. Any of the above. This swipe and go concept is pitched to the public in the Ron Popeil 2am infomercial manner whereby we are reminded of how difficult it is to slice a soft carrot with a sharp knife. Cut to the clumsy actor disemboweling themselves Harakari style with the slip of a Ginsu, then back to our host who unveils the Veg-O-Matic slice-and-dice 1800 cupboard-space-devourer. Ooh! Ahh! Reads the audience. We never knew we needed this amazing product until being assumed an idiot.
Zillow, Opendoor, Offerpad, each assume we humans are lazy, hollow skulled, and likely both. They offer us a solution to a problem we did not know we had. See….Selling and Buying houses is really expensive, requires Herculean effort, and is more complicated than solving a Rubik’s cube in a straightjacket while skydiving through a spinning turbine blindfolded. Hey you there! Random American consumer making sweat angels on the couch, or waddling in your sweatpants through the grocery store, or wearing a mask inside your car alone, corporations suspect you might be lazy. That you probably consider “work” to be a four-letter word. That you put the F in effort.
Relax. Unwind. Problem solved. They have an algorithm that does the work for you! Are You Sarah Connor?
iSelling – How to sell your home in less time for less money
Opendoor: Get an offer in minutes!
Offerpad: The easiest way to sell your home!
Zillow: Uh….Reimagine Home?
Even throwing from the knees while falling off the mound, this pitch somehow works with consumers. Thousands of Home Sellers have opted to ‘Click for an Offer’ and accept whatever amount the lottery ball algorithm decides to pay out. Vegas could sue for copyright infringement. Sellers click the shiny object “Instant Offer” button like they’re arm wrestling a one-armed bandit….BLING BLING BLING! Trapdoor drops. Swoosh! Away we go….
Real Home value: $400k
Instant Offer: $350k
Hassle Cost: Free!
SOLD!
Offerpad, Opendoor, and Zillow use iSeller algorithms to pry your house from your possession for as little money as possible. Losing is easy! You enter the address of the home you’d like to sell. The machinery hums to life, an algorithm generates a sight unseen cash offer price, delivered to your inbox within 24 hours, often with a No Inspection/As-Is Clause and a promise to close within a few weeks. Instant cash. CHA-CHING! YOU’RE A WINNER!!!
What was that you ask? How high is the price they offer you? Oh, that? Uhm…well, try taking a running start at a waist high post and you’ll understand it.
Quite too often the purchase price is tragically lower than actual value. However, there is a line of desperate for dollars humans eager to take this deal anyhow. 2021’s sales history is an avalanche of Sellers choosing convenience over profit. This neared epidemic proportions in early spring when regular non-Real Estate folk were caught unaware their property values were rising. Rare is the Seller who is knowledgeable enough to log back in weeks later to view what their home was REALLY worth, after their digital platform iSeller resold it for tens of thousands more. No witnesses. No crime.
Karma didn’t forget. By early summer these Tech cowboys were on the other end of that bargain. Buyer demand tailed off. Their Tech buying spree rocketed on. If you sold your home in late summer, or beyond, to one of these Instant Offer machines, you likely sold for MORE than your property was actually worth. Real Estate values go up AND down. Who knew?
RISE OF THE ROBOTS
These digital platforms can also list your house on the MLS, similar to what we Real Estate professionals provide. Most digital platforms offer a discounted listing rate of 5% instead of the industry standard 6%, which lands you roughly 20% of the listing effort you’d receive from an actual human agent. These digital dealers have discovered a rich vein of Sellers eager to save 1% in commissions by receiving 10-20% less at sale. Consider it a convenience fee. This digital dance hall enjoyed a wild spring in Arizona. Every iSelling platform prospered as the strangled housing inventory encountered a January-April tidal surge of eager beaver Buyers. Opendoor, Offerpad, and Zillow attacked that surge with vigor, raising list prices, making their own home loans, waiving appraisals, even buying their own title companies to be the “impartial” third party closing these deals. Up, up, and away!
Who represented the human Buyers and Sellers in these transactions? Nobody typically. In the algorithm we trust!
That Buyer tidal wave broke over summer, it’s a low tide trickle today. The algorithm was never programmed for the cyclical nature of Buyer surges. The algorithm was somehow unaware of Arizona’s summer temps. There was no history class taught at computer camp? Those smart computers made some genuinely stupid purchases over the summer. We can’t mention the people who got bilked during the wind up without also mentioning the people who sold their homes to iSellers for ridiculously HIGH PRICES when the market shifted. Remember, Offerpad, Opendoor, and Zillow are competing against each other, using transaction volume to motivate Wall Street investors to Make-it-Rain. Run your finger along the high watermark of sales values achieved this year and the Buyers of the highest sales in the hood are almost always one of these three digital platforms. Sometimes too high. Sometimes too low. The algorithm has not been three bears tested.
Listen. Understand. That algorithm is out there. It can’t be reasoned with, it can’t be bargained with…it doesn’t feel pity or remorse or fear. It’s stupid. And it absolutely will not stop, ever, because Wall Street keeps shoving singles down its G-string…..uh oh….
Remember those stock prices shaped like Scrubby Bubbles?
Thanks largely to the efforts of this Digital Triumvirate, 2021 Phoenix housing prices rose. Sales volumes slowed. Stockpiles growed….err…grew. The sales tide turned in June, as it does annually, and overnight these digital platform acquisitions were being sold for a loss. That Sold-For-Less-Than-Paid trend is approaching month number five. What’s their solution? “BUY MORE!”, screams the algorithm. Opendoor bought over 20 more homes this Monday alone.
“We’ve determined the unpredictability in forecasting home prices far exceeds what we anticipated”…whispers the Captain of the ship, mid-gargle, as fish tickle his insides.
iBuying – How to pickpocket the pantsless
Opendoor: We’ll back your Offer with our cash!
Offerpad: The new way to Buy a home!
Zillow: Move Forward. Stay Safe.
Try to detect it. It’s not too late. Where iSelling is the most convenient method for achieving illogical sales proceeds, iBuying is the most expedient method for marrying good money to bad decisions. For a rousing example, check out these three Opendoor lures for using their iBuyer Assistance Program:
If you can’t close on time, don’t worry. Opendoor can buy the home for you in cash, so you don’t lose it.
Sellers love certainty. Opendoor waives appraisal and loan contingencies to make your offer stand out even more.
If Opendoor buys the home for you, we’ll sell it back to you for the same price.
Same price, minus a slew of accumulated DAILY fees that enrich Opendoor (if you read the details). The fine print involved with this program is of Biblical length. In that fly sized disclaimer text the Buyer learns the program’s full benefits require the Buyer to use Opendoor’s Real Estate Agent, use Opendoor’s Title Company (which they own), and borrow from Opendoor’s Home Loan program (which they also own). Everyone helping the Buyer in the transaction works for Opendoor. Whose interests are they here to protect? This is like Mufasa hiring Scar as a mountain climbing guide, or Lando Calrissian offering Complimentary Parking for Han’s Millennium Falcon. It’s a TRAP!
Jimmy crack corn. They don’t care. You are a click, and this is a land of clicks now.
TOO BIG TO SUCCEED
These Tech Real Estate “institutions” report their earnings quarterly, with the most recent quarter ending September 30, 2021. Public company third quarter reports and the Arizona Real Estate market go together like hand grenades and hand lotion. The three slowest months for Arizona housing are always July, August, and September as the monsoons conspire with our glowing death orb in the sky to present a scorched landscape resembling Hell’s foyer. Most of America’s housing markets thrive during this season, as they wear more comfortable shoes. We stand unique, in sizzling asbestos slippers. It’s not a good look.
Zillow was the first to concede stupidity. To admit they had no idea how Real Estate is valued, or how the housing market functions. The first to have “determined the unpredictability in forecasting home prices”. Well ain’t that a kick in the crystal balls? They are the first, and likely won’t be the last. One could see all three of these algorithm based beasts committing full faceplant once anyone with actual math skills sneaks a peek behind the mouse pad.
SAVE YOURSELVES HUMANS!
I’ve been a licensed Realtor in Arizona since 2005. Brief Peccadillos: I predicted the 2008 housing crash in November of 2005. I’ve led the state in sales volume, closing over 200 deals a year…three times. I publish a Daily Hot List of the Best Housing deals that has been featured in the New York Times and on Good Morning America. You may have sat on my face at the Moon Valley Safeway. I’ve made enough mistakes, learned enough hard lessons, to be considered experienced. We never stop learning. Three hours of my every day are still spent studying the Phoenix housing market’s New Listings, Closings, and Price changes.
An algorithm could do the same thing. But you know what an algorithm can’t do? It can’t digest what it sees. It can’t understand WHY the prices climb to where they do, and why values won’t propel beyond certain ceilings in certain areas of town. Algorithms are just a tool. They require an experienced field operator. You shouldn’t trust an algorithm for Real Estate advice any more than you should trust an auger with your dental needs. DRILL BABY DRILL!
Real Estate purchases are personal events. Whether it’s an institutional purchase or a personal purchase, bought to rent out or to live within, ultimately every house has to serve the purpose of being called HOME by a human being. I AM HOME! Home is hope. Home is Christmas morning, July Fourth afternoon, Thanksgiving hugs, new babies, new puppies, sunrises, sunsets, plastic slides, and bedtime stories. Home is the frame you paint your life within. No code can calculate that. No spreadsheet can feel the joy and pride of the place we call home.
These “Tech Giants” wanted to reimagine home. It’s just walls, floors, and a roof, according to their algorithms. This fool’s folly was doomed from the start. They were always going to arrive at this Icarus-into-the-ceiling-fan moment. And you can bet your Fed printed digital dollar that Wall Street knew this all along as well. Those soulless mutants probably placed a bathroom stall bet over it with a single dollar bill.
The lesson Zillow provided the world this week is simple: Complexity Not So Easy, and Karma never loses an address
Unless you are a Real Estate Expert yourself, keen to contract writing, inspection issues, zoning regulations, and all the fumbles and missteps that paint the path through escrow, Hire a Professional. The world of shortcuts always leads to a dead end.
WILL THE HOUSING MARKET CRASH ALONG WITH THESE TECH COMPANIES?
It could. It could not. How the Hell can anyone know?
I can only speak to the Phoenix Metro Market in which I hunt. At this moment in time we do not have enough housing inventory to support the current demand. Simple math: It’s nearly impossible to crash a commodity market when the commodity is short in supply. It takes a special brand of moron to make predictions. I’m not that special. I do not make predictions. But a crash seems highly unlikely in our current predicament.
If Zillow, for instance, keeps its word and sells off large chunks of its foul scented shopping cart contents to “Institutional Buyers”, those homes may disappear from the Buy and Sell marketplace completely. They’d likely be repurposed as rentals and remain out of reach from those seeking a new home to purchase.
WHERE ARE WE AT?
These Tech Housing machines took advantage of consumers during a uniquely advantageous time of pandemic and fear. They’re rats scavenging through an exploded war tank. But what blew up the tank? COVID. Covid is the reigning King holding our Real Estate Market hostage. If Opendoor, Offerpad, and Zillow locked their doors tomorrow, COVID would still be laughing from its throne. Empty business parking lots dominate our valley’s landscape end to end, top to bottom. Consider how that affects housing. If everyone from USAA’s campus is working from home, there is no need to transfer them to other cities. Thus our market’s housing inventory sits at stalemate. No moves being made.
This morning, Friday, November 5, 2021, we welcomed just 660 new listings to market. On a typical November Friday, in any other year, that number would typically be over 2,500 new listings. Today was a particularly slow Friday even by 2021 standings. 1,000-1,200 Friday newbies has been the norm all year. There is no way to predict when our inventory will normalize. The world is a madhouse run by its inmates.
Zillow says it is stepping away from iBuying. This week’s property closings prove they have not stepped away just yet. But let’s take them at their word and pretend they do. Let’s pretend Offerpad and Opendoor, holders of similarly spooky balance sheets, follow suit and withdraw as well. That circumstance would make our shrunken housing inventory even smaller. Opendoor is the largest Buyer in our market this year. Smaller inventory means larger prices, as less is more. Simple supply and demand mathematics. The absence of the Tech Triplets would eventually balance back out as humans returned to logical means to offload their homes, such as hiring knowledgeable help, but the immediate impact would be hurtful to Buyers in the interim.
Looming overhead, the Fed is rattling swords at its own BILLIONS PER MONTH money laundering scheme. It’s impossible to mentally digest $120 BILLION DOLLAR BILLS…the physical representation would fill sixty football stadiums. But that’s how much money the Fed has been pumping through to Wall Street, every month. Ever wonder how your dollar got so worthless? They claim that criminal activity will be tapered to a mere $5 BILLION per month soon…yes, soon. Uh huh.
Interest rates have been illogical since, oh, around 2014. I’m old enough to remember when they cut the borrowing window rate to ZERO percent in 2009. As economies go, Zero percent interest is the defibrillator on the wall of the gym. If the economy clutches its chest during a squat and keels over, you break out the defibrillator to zap them back to life. The blind monkeys in charge of our economy left the defibrillator on the chest…forever….now they fear the economy cannot live without it. Interest rates probably should have gone up in 2014. Right now the Fed is as trustworthy as the Three Stooges hauling a load of nitroglycerine over the Khyber pass in a wagon with a loose wheel.
Any of the above ‘could’ happen. I do not make predictions… because it’s impossible to know what will happen! The only certainty we own is that we do not know what we do not know. We must act on what we do know. Keep it simple. If you are concerned about the future, then you are scared of a boogeyman. That’s on YOU, not your surroundings.
SET MEDIA TO BOIL
The news media, hair-sprayed-mirror-addicts ever eager to overplay their hand, will latch onto this Zillow story like a pitbull discovering what’s inside the pizza box. One can imagine weeks of Sky-is-Falling weather reports forthcoming for the Housing Market. The media asks “Is THIS the next HOUSING CRISIS!?!” with the innocent curiosity of a ten year old at a fireworks show, “Is THIS the GRAND FINALE”? They know what sells.
Our society only “clicks” for Absolutes and Emergencies. This is a land of clicks now. The one thing I will predict is that we are about to be told Real Estate is in trouble by every media outlet still alive. This news will arrive lockstep as they valiantly ignore the Fact we do not have enough supply to meet demand.
Gravity will win. It always does. Keep your eye on the sales volume yourself, or subscribe to my Hot List to stay tuned to the actual realities of Real Estate. The truth is out there. The housing headlines are about to read bloody instead of black and white. The newsies do this because we are a silly lot that eats such nonsense up. The shame lies with our easily satiated appetites.
If you’re looking for what happens next, I can tell you I don’t have a clue. But what I do have is a particular set of skills. Skills I have acquired over a very long career. Skills that make me a nightmare for Tech Real Estate companies who’d rather see Buyers trust a Zestimate than encounter this toxic substance known as truth.
If you are looking to buy or sell a home, do yourself a favor and hire a professional Real Estate Agent. I’d love to be YOUR Agent. However, there’s at least five or six other agents out there who know what they’re doing too. I kid! I kid! If you’re wise and earnest, you’ll know a suitable Real Estate expert when you speak with them. If you’re stupid and lazy, you’ll just click on a website and let it tell you what to do. You are free to choose, but you are not free from the consequence of your choice.
If you found this information helpful, or at least interesting, please pass it along. We live in a corporate culture world where the news they want you to hear is more overexposed than Nicole Kidman slathered in baby oil, laying on an aluminum foil blanket on the Utah Salt Flats. We little people must pass notes through the bars when the guards aren’t looking.
Here you go. Pass it along!
https://www.cbsnews.com/news/zillow-layoffs-closing-zillow-offers-selling-homes/
https://finance.yahoo.com/news/zillow-seeks-sell-7-000-184559654.html
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