A Problem You Didn't Create

About this film

A problem you didn't create

This short film explains how rising rates, record consumer debt, and homes that need work before they'll sell have trapped good families — and how Dayspring's In-Place Flip helps them keep their title and unlock the equity they've earned. It is grounded in public data; the figures on screen are sourced below.

The facts behind the film

Oregon's typical home is worth about $504,000 (Portland-metro median ~$565,000 in mid-2026).^[1]
The 30-year mortgage averaged 6.67% in August 2026 — up from an all-time low of 2.65% in January 2021.^[2]^[3]
Existing-home sales fell to their slowest pace since 1995.^[4]^[5]
About 1 in 2 mortgaged owners hold a rate under 4% (1 in 5 under 3%) — the mortgage-rate “lock-in effect.”^[6]^[7]
U.S. household debt hit a record $18.8 trillion, and the average credit-card interest rate was 22.15%.^[8]^[9]
Homes listed as “needs work” sold for about 8% less — roughly $28,000 on a typical home — while “remodeled” homes sold for about 3.7% more.^[10]
Preparing and staging a home reduced time on the market for about half of sellers' agents.^[11]
In the established pre-sale renovation model, the homeowner keeps title and the firm is repaid from the sale proceeds at closing.^[12]^[13]^[14]
Dayspring project results: Greenbrook +$235,000 · Arboresque +$775,000 · Sugan +$400,000 — real past results, not a promise of the same.

In honesty. Results vary by home, condition, and local market; most renovation projects recoup less than their full cost; and no sale price or profit is ever guaranteed. Every In-Place Flip is governed by a written agreement that sets out the scope, the documented costs, and exactly how any remaining profit is shared — agreed before any work begins.

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A Problem You Didn't Create

A problem you didn't create

Sources