Chrisman Commentary - Daily Mortgage News

1.26.26 Rent Versus Own; Middle Housing Partner's Jared Jones on Building; Refinance Activity

Jared Jones · January 26, 2026

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Interview with Jared Jones

1.26.26 Rent Versus Own; Middle Housing Partner's Jared Jones on Building; Refinance Activity

Podcast: Chrisman Commentary - Daily Mortgage News

January 26, 2026 · 24 min

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1.26.26 Rent Versus Own; Middle Housing Partner's Jared Jones on Building; Refinance Activity
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Key topicsWhy California real estate risk is misunderstood by most investorsMany investors treat California as inherently unpredictable and therefore uninvestable. Jared reframes that belief by separating regulatory complexity from actual uncertainty, explaining that risk becomes more manageable when timelines, permitting patterns, and constraints are well understood. His perspective comes from working repeatedly inside the system, not avoiding it. What our housing choices reveal about the society we’re becomingHousing is often framed as a technical or political problem, but Jared approaches it as a cultural one shaped by everyday decisions. Drawing on what he’s seen building housing in California, he explores how normalizing scarcity reshapes expectations around family life, mobility, and who gets to belong in certain communities. The conversation invites listeners to see housing not just as infrastructure, but as a quiet force that determines whose lives are made easier and whose become constrained. How housing scarcity shows up in everyday family decisionsRather than treating housing as a distant policy issue, Jared brings it into everyday life through what he’s seen building in California neighborhoods. He explains how limited housing supply narrows where families can live, how far they commute, and whether they can stay connected to their communities. Drawing on real-world development experience, he helps listeners see how small, incremental housing choices-or the absence of them-shape family life long before anyone calls it a housing crisis. View all topics →

About Jared Jones

Jared Jones, podcast guest

Founder of Middle Housing Partners and Expert in Micro-Infill Housing, Working at the Intersection of Policy, Execution, and Community

15 years Real estate development experience536 Successful projects in the firm track record600+ Housing units built by Middle Housing Partners$100M+ Assets managed by Middle Housing Partners

Jared Jones came into real estate by paying attention to what wasn’t working. He saw how traditional development often moves slowly, favors scale over fit, and leaves large gaps between housing need and what actually gets built. Families were priced out of growing cities, neighborhoods were locked in place by zoning that no longer matched reality, and investors were left waiting years for projects to stabilize.

After more than 15 years in real estate development, Jared co-founded Middle Housing Partners to focus on a specific problem: how to add housing within existing neighborhoods without relying on large, drawn-out projects. The firm works on micro-infill housing—ADUs, duplexes, triplexes, and small multifamily buildings—designed to fit into the fabric of established communities.

Jared’s work has taken place across hundreds of projects in California, where development is shaped as much by process as by design. His experience sits at the overlap of policy and execution: pulling permits, working through local interpretation of regulations, and refining development approaches that make smaller sites viable. The properties themselves are often modest—underused lots, backyard housing, overlooked parcels—but they reflect a belief that housing supply can be expanded incrementally rather than all at once.

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About this episode

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

In today’s episode, we look at some trends seen across the mortgage industry as well as what is on the economic calendar this week. Plus, Robbie sits down with Middle Housing Partner'sJared Jonesfor a discussion on how housing policy actually becomes delivered homes, and how permitting workflows and local regulatory interpretation shape real-world project feasibility. And we close by looking at the refinance activity index.

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