Today we tackle a brutal mix of policy shifts and pocketbook pain. • Bill Pulte, the new U.S. Director of Federal Housing: did GSE rule changes just kneecap new construction, or is this a short-term reset that favors stronger builders and creative financing • Florida Senate greenlights ADU expansion statewide, a rare supply win that could unlock backyard rentals, multigenerational living, and entry-level price points • Household debt hits a new high. Everybody owes somebody. We break down what’s rising fastest and where the real delinquencies are creeping in • Orlando’s housing market stays cold to start February. We call out the tells: days on market, price cuts, and which segments still move You’ll get the straight read on who wins, who loses, and the practical moves for buyers, sellers, small investors, and builders operating in Central Florida.