Radically Colorado

Derek Schulze
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Radically Colorado is where Colorado history actually gets interesting. No textbook voice, no fluff. Just real stories about the towns, railroads, hotels, and people that built this state. From Georgetown and Central City to Evergreen, Boulder, and beyond, we break down what actually happened and why it still matters today. Old buildings, wild characters, boom and bust cycles, and the stories hiding in plain sight. If you live here or just love Colorado, you’ll see it differently after this.

  1. Oct 21

    Breaking The Denver Real Estate Market In Shambles

    The Denver real estate market is in shambles, and the numbers are becoming impossible to ignore. Home values are falling, mortgage rates remain above 7%, first-time buyers are disappearing, and more Denver-area listings are failing to sell than successfully closing. In this episode of Radically Colorado, Derek Schulze and Kenny Sundlof break down what is actually happening across the Denver housing market, why this slowdown is being driven by a buyer strike rather than a flood of listings, and why conditions may deteriorate further before they improve. We also discuss the opportunities hiding inside this market. One recent buyer secured a property for $100,000 below the previous contract price, then negotiated another $67,000 in concessions. Buyers who can handle today’s payments may have enormous negotiating leverage, while sellers need honest pricing, exceptional presentation, and an active strategy to avoid sitting on the market indefinitely. Whether you are buying, selling, investing, or working in Colorado real estate, this episode explains how to navigate a rapidly changing Denver market without the usual industry spin. READ THE FULL STORIES: Denver’s Slowdown Is a Buyer Strike, Not a Listing Floodhttps://www.radicallycolorado.com/news/denver-slowdown-buyer-strike-not-listing-flood More Homes Fail to Sell Than Ever in the Denver Metrohttps://www.radicallycolorado.com/news/more-homes-fail-to-sell-denver-metro First-Time Buyers Hit a Record Low as Boomers Buy Everythinghttps://www.radicallycolorado.com/news/first-time-buyers-record-low-boomers-buying-everything 🏠 Thinking about buying or selling in Colorado?Visit Symbio Homes: https://www.symbiohomes.com Subscribe to Radically Colorado for weekly conversations about Colorado real estate, housing, business, politics, and the stories shaping our state. Chapters 00:00 Denver real estate is in shambles01:10 A buyer strike, not a listing flood01:50 Mortgage rates remain above 7%02:52 Why renting can make more sense03:40 Where buyers can still find equity06:45 Why the market could get worse07:13 First-time buyers have been cut in half08:25 The K-shaped economy explained09:32 What we are seeing in real transactions11:03 How one buyer saved $167,00012:31 How buyers can take advantage13:19 Denver-area homes losing value14:57 Should homeowners sell right now?16:33 The biggest mistake sellers are making18:04 How sellers can survive this market21:01 Why honesty matters in a declining market22:08 The strategy required to sell today23:01 How real estate agents should use AI26:02 Final thoughts and what comes next#DenverRealEstate #DenverHousingMarket #ColoradoRealEstate #HousingMarket #RadicallyColorado Watch on YouTube: https://youtu.be/kqcsK_DL-T4Radically Colorado is presented by Symbio Homes - symbiohomes.com

  2. Oct 21

    BREAKING: Denver Real Estate in Shambles

    🚨 BREAKING! Denver Real Estate in SHAMBLES — TODAYThe Denver housing market is getting harder to ignore. 🏠📉 Today, we're breaking down what is REALLY happening in Denver real estate — and the numbers tell a fascinating story. More homes are failing to sell, buyers are pulling back, and the market may be experiencing something very different from the classic “housing crash” narrative. 🔥 Here’s what we’re covering LIVE TODAY: 🏠 More Denver homes are failing to sell — what does that mean for sellers and prices?🚫 The Denver Buyer Strike — why are buyers sitting on the sidelines?👴 Boomers vs. First-Time Buyers — are older buyers dominating the market while younger buyers struggle to get in?🔑 First-time buyers at record-low levels — what's keeping an entire generation on the sidelines?💰 Who actually has the leverage in Denver right now?📉 Are we seeing the beginning of a major Denver housing correction, or simply a painful market reset?🏡 What should buyers, sellers, investors and homeowners be doing TODAY?One of the biggest questions is whether Denver's slowdown is being caused by too many homes hitting the market — or whether buyers themselves are pulling back.So what's really going on? Is Denver real estate actually “in shambles”… or is the market finally forcing sellers to adjust to a new reality? 🔥 Join us LIVE TODAY and let's look at the numbers together. Bring your questions, your predictions, and your Denver real estate stories! 📊 Sources & Further ReadingMore Homes Fail to Sell — Denver Metrohttps://www.radicallycolorado.com/news/more-homes-fail-to-sell-denver-metroFirst-Time Buyers at Record Low — Boomers Buying Everythinghttps://www.radicallycolorado.com/news/first-time-buyers-record-low-boomers-buying-everything Denver Slowdown — Buyer Strike, Not Listing Floodhttps://www.radicallycolorado.com/news/denver-slowdown-buyer-strike-not-listing-flood #DenverRealEstate #DenverHousingMarket #ColoradoRealEstate #Denver #HousingMarket #RealEstate #DenverHomes #ColoradoHousing #FirstTimeHomeBuyer Watch on YouTube: https://youtu.be/E6E9ACEpWrwRadically Colorado is presented by Symbio Homes - symbiohomes.com

  3. Oct 21

    Fed Rate Hike Means The 80s Are Here

    The Fed just raised rates for the first time in three years — and I don't think it hits who they think it hits. In this stream I break down why today's inflation is completely different from three years ago: back then cheap money and bidding wars sent prices surging, and first-time buyers hit a record 41% of the market. Today inflation is being driven by energy shocks from foreign conflict and by excessive capex in AI — not by everyday Americans. So raising the borrowing rate doesn't cool that spending. It just makes mortgages, personal loans and credit cards more expensive for you and me. I walk through the real numbers: a $400,000 house that was ~$2,000/month in 2021 is now $3,500-$3,750/month with rates near 7% — while you could rent that same home for around two grand. First-time buyers have dipped 50% from 2021 to 2025, sliding from 41% to 21% of the market. And the silent problem is short sales creeping back — we've done at least a dozen in the past 12 months, and loss mitigation departments say they're swamped. In Denver we've already seen 10-15% depreciation. Then I compare all of this to the 1980s — Carter to Reagan, Iran conflict, surging energy, the USSR winding down, and the Volcker Fed that took rates to 20%. Every case study calls the Volcker Fed the one you don't want to be. My read: this may not be a 2008-style overnight crash, it may be a decade of high rates and no growth in a key sector. If you're navigating any of this in Colorado — even just want an echo chamber to talk through your options — we would love to help. Learn more at https://radicallycolorado.com or https://symbiohomes.com #Denver #Colorado #FedRates #RealEstate #HousingMarket #FirstTimeHomeBuyer #Economy #ShortSale Watch on YouTube: https://youtu.be/7hsKHSLVakU Radically Colorado is presented by Symbio Homes - symbiohomes.com

  4. Oct 21

    Are the 2020s Just the 1980s All Over Again?

    The Federal Reserve has raised rates for the first time in three years, but will higher borrowing costs actually address today’s inflation, or will they put even more pressure on working Americans and an already strained housing market? In this episode of Radically Colorado, Derek Schulze examines what the Fed’s policy shift could mean for mortgage rates, home prices, first-time buyers, short sales, artificial intelligence investment and the broader economy. Today’s inflation is not being driven by the same forces that created the post-pandemic surge. Energy disruption, international conflict and massive AI capital spending are now colliding with a housing market in which everyday buyers are already struggling to afford a mortgage. The similarities between the 2020s and the 1980s are becoming difficult to ignore: conflict with Iran, surging energy costs, tension involving Russia, a celebrity Republican president and a Federal Reserve prepared to use higher interest rates to fight inflation. That does not necessarily mean mortgage rates will reach 1980s levels, but it could signal a longer period of elevated borrowing costs, limited housing growth and economic hardship for Americans on the wrong side of the K-shaped economy. Derek also explains why first-time buyers have fallen from roughly 41% of the housing market to about 21%, why short sales are quietly returning and why Denver could be especially vulnerable if rates remain elevated while property values continue to soften. READ MORE: The 2020s Are Just the 1980s https://www.radicallycolorado.com/news/the-2020s-are-just-the-1980s First-Time Buyers Hit a Record Low While Boomers Buy Everything https://www.radicallycolorado.com/news/first-time-buyers-record-low-boomers-buying-everything Chapters 00:00 The Federal Reserve raises rates01:16 Why the Fed’s tone matters02:22 How post-pandemic inflation was created05:04 Why today’s inflation is different06:28 Energy prices, AI spending and the K-shaped economy07:47 How higher rates hurt everyday borrowers08:14 The true cost of a $400,000 home08:58 First-time homebuyers are disappearing09:58 Short sales are quietly returning11:04 How much risk is hiding in the housing market?14:46 Will the Fed continue raising rates?16:31 Why the 2020s look like the 1980s18:16 Reagan, Trump, Iran and Russia19:12 The Volcker Fed and extreme interest rates20:38 Could this become a decade of limited growth?21:11 What the rate hike means for Denver real estate22:20 Final thoughtsSubscribe to Radically Colorado for honest conversations about Denver real estate, Colorado housing, interest rates, economic policy and the stories affecting people throughout the state. This video represents commentary and opinion for informational purposes only. It is not financial, legal or investment advice. #FederalReserve #RateHike #DenverRealEstate #ColoradoRealEstate #HousingMarket #MortgageRates #Inflation #Economy #FirstTimeHomeBuyer #ShortSales #DonaldTrump #RonaldReagan #RadicallyColorado Watch on YouTube: https://youtu.be/S-D9Q8qHdlM Radically Colorado is presented by Symbio Homes - symbiohomes.com

  5. Oct 21

    How The Fed Rate Hike Could Destroy The Economy

    The Federal Reserve has raised rates, and the question nobody in Washington seems willing to answer is whether a rate hike can do anything about the kind of inflation we actually have. In this live episode of Radically Colorado, Derek Schulze and Kenny Sundlof break down what the Fed’s decision could mean for mortgage rates, first-time buyers, Denver home values and the broader economy. Headline inflation came in at 3.4% in August, but strip out food and energy and core inflation was 2.4% and falling. Energy was up 16.3% and gasoline up 27.4%. Nearly the entire overshoot is fuel — and raising interest rates does not produce a single barrel of oil. That is the uncomfortable part of this decision. The Fed is using the one tool it has on a problem that tool was never built for, and the cost lands on the people who can least absorb it: the buyer carrying a mortgage payment, not the corporate borrower with cash flows to lend against. Meanwhile first-time buyers have collapsed as a share of the market, short sales are quietly returning, and in Denver the damage is concentrated by segment rather than spread evenly across the metro. Whether you are buying, selling, or just trying to understand why your grocery bill and your mortgage quote are both moving the wrong way, this episode lays out what the rate hike actually does — and what it cannot do. READ MORE: The First Rate Hike Since 2023: What It Means for Coloradohttps://www.radicallycolorado.com/news/fed-first-rate-hike-since-2023-colorado The 2020s Are Just the 1980shttps://www.radicallycolorado.com/news/the-2020s-are-just-the-1980s First-Time Buyers Hit a Record Low While Boomers Buy Everythinghttps://www.radicallycolorado.com/news/first-time-buyers-record-low-boomers-buying-everything 🏠 Thinking about buying or selling in Colorado?Visit Symbio Homes: https://www.symbiohomes.com Subscribe to Radically Colorado for honest conversations about Denver real estate, Colorado housing, interest rates, economic policy and the stories affecting people throughout the state. This video represents commentary and opinion for informational purposes only. It is not financial, legal or investment advice. #FederalReserve #RateHike #DenverRealEstate #ColoradoRealEstate #HousingMarket #MortgageRates #Inflation #Economy #FirstTimeHomeBuyer #RadicallyColorado Watch on YouTube: https://youtu.be/1Ed1T65L-CoRadically Colorado is presented by Symbio Homes - symbiohomes.com

  6. Oct 21

    Who The Fed Rate Hike Actually Hits

    A six-minute cut from our live episode on the Federal Reserve's rate hike: who it actually hits. Derek Schulze and Kenny Sundlof go through the one lever the Fed has, why the banks end up on the right side of it twice, the buyers it prices out, and the sellers who have simply stopped selling. Headline inflation came in at 3.4% in August, but strip out food and energy and core inflation was 2.4% and falling. Energy was up 16.3% and gasoline up 27.4%. Nearly the entire overshoot is fuel, and raising interest rates does not produce a single barrel of oil. WATCH THE FULL LIVE EPISODE:How The Fed Rate Hike Could Destroy The Economyhttps://www.youtube.com/watch?v=1Ed1T65L-Co READ MORE: The First Rate Hike Since 2023: What It Means for Coloradohttps://www.radicallycolorado.com/news/fed-first-rate-hike-since-2023-colorado The 2020s Are Just the 1980shttps://www.radicallycolorado.com/news/the-2020s-are-just-the-1980s First-Time Buyers Hit a Record Low While Boomers Buy Everythinghttps://www.radicallycolorado.com/news/first-time-buyers-record-low-boomers-buying-everything Thinking about buying or selling in Colorado?Visit Symbio Homes: https://www.symbiohomes.com Subscribe to Radically Colorado for honest conversations about Denver real estate, Colorado housing, interest rates, economic policy and the stories affecting people throughout the state. This video represents commentary and opinion for informational purposes only. It is not financial, legal or investment advice. #FederalReserve #RateHike #DenverRealEstate #ColoradoRealEstate #HousingMarket #MortgageRates #Inflation #Economy #FirstTimeHomeBuyer #RadicallyColorado Watch on YouTube: https://youtu.be/lupVGP5FYwIRadically Colorado is presented by Symbio Homes - symbiohomes.com

  7. Oct 21

    First-Time Buyers And The American Dream

    A six-minute cut from our live episode on the Federal Reserve's rate hike: what it means for first-time buyers, and what a central bank is actually supposed to be for. Derek Schulze and Kenny Sundlof look at who can still afford to borrow at these rates, why investors are cleaning up while first-time buyers have collapsed as a share of the market, and where that leaves the idea of owning a home in Colorado. The cost of a rate hike lands on the buyer carrying a mortgage payment, not on the corporate borrower with cash flows to lend against. WATCH THE FULL LIVE EPISODE:How The Fed Rate Hike Could Destroy The Economyhttps://www.youtube.com/watch?v=1Ed1T65L-Co READ MORE: First-Time Buyers Hit a Record Low While Boomers Buy Everythinghttps://www.radicallycolorado.com/news/first-time-buyers-record-low-boomers-buying-everything The First Rate Hike Since 2023: What It Means for Coloradohttps://www.radicallycolorado.com/news/fed-first-rate-hike-since-2023-colorado The 2020s Are Just the 1980shttps://www.radicallycolorado.com/news/the-2020s-are-just-the-1980s Thinking about buying or selling in Colorado?Visit Symbio Homes: https://www.symbiohomes.com Subscribe to Radically Colorado for honest conversations about Denver real estate, Colorado housing, interest rates, economic policy and the stories affecting people throughout the state. This video represents commentary and opinion for informational purposes only. It is not financial, legal or investment advice. #FirstTimeHomeBuyer #FederalReserve #RateHike #DenverRealEstate #ColoradoRealEstate #HousingMarket #MortgageRates #Inflation #Economy #RadicallyColorado Watch on YouTube: https://youtu.be/kvOCBGyiWf0Radically Colorado is presented by Symbio Homes - symbiohomes.com

  8. Oct 21

    Will AI Kill Us Or Make Society Better

    Will artificial intelligence make life better for everyone, or is it building a future that leaves most people behind? In this live episode of Radically Colorado, Derek Schulze and Kenny Sundlof dig into one of the biggest questions of the decade — what AI actually means for jobs, wealth, the economy, and everyday life in Colorado and beyond. They talk through both sides of it: the case that AI could unlock enormous productivity, cheaper services and entirely new kinds of work, and the harder case that the gains flow to the people who already own the technology while everyone else absorbs the disruption. From automation and the job market to the enormous amounts of money pouring into AI, the conversation keeps returning to the same real-world question — who benefits, and who pays for it? It is an honest, unscripted conversation about technology, power, and where all of this leaves regular families trying to build a life, buy a home, and stay ahead in a fast-changing economy. Whether you are optimistic about AI, worried about it, or somewhere in between, this episode lays out the debate in plain language. 🏠 Thinking about buying or selling in Colorado?Visit Symbio Homes: https://www.symbiohomes.comLearn more at https://radicallycolorado.com Subscribe to Radically Colorado for honest conversations about Denver real estate, Colorado housing, interest rates, economic policy, technology and the stories affecting people throughout the state. This video represents commentary and opinion for informational purposes only. It is not financial, legal or investment advice. #AI #ArtificialIntelligence #Technology #Economy #FutureOfWork #Automation #DenverRealEstate #ColoradoRealEstate #RadicallyColorado Watch on YouTube: https://youtu.be/PwG463q3yT8Radically Colorado is presented by Symbio Homes - symbiohomes.com

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About

Radically Colorado is where Colorado history actually gets interesting. No textbook voice, no fluff. Just real stories about the towns, railroads, hotels, and people that built this state. From Georgetown and Central City to Evergreen, Boulder, and beyond, we break down what actually happened and why it still matters today. Old buildings, wild characters, boom and bust cycles, and the stories hiding in plain sight. If you live here or just love Colorado, you’ll see it differently after this.

Information

  • Creator
    Derek Schulze
  • Years Active
    2026
  • Episodes
    16
  • Rating
    Explicit
  • Copyright
    © Derek Schulze
  • Show Website
    Radically Colorado