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M R EP O RT | 3 M R EP O RT | 3 CO NTE NTS 12 WHEN THE SHELVES RUN BARE MReport takes a closer look at the ripple effects caused by supply chain issues on the housing market, and when we can target a return to the days of a normal supply of housing inventory. 18 MINORITY REPORT Now is the time to promote minority homeownership and find solutions for the barriers that exist today. 22 INVENTORY LEVELS, FED RATES, & MORE Douglas G. Duncan, SVP and Chief Economist for Fannie Mae, discusses what we should expect out of the housing market in 2022 26 NAVIGATING THE MODERN TECH STACK It's no longer adequate to pick a single mortgage technology and assume your every business need will be met. 29 A NEW ERA FOR DESKTOP APPRAISALS The GSEs recent switch to allow for desktop appraisals could usher in "a new area for collateral valuation." 30 GET SMART Smart home technology is more important to renters than you might think. Here's what investors and property managers should know. DEPARTMENTS 4 MTECH Furthering the Pursuit of Paperless 8 MCROWD Who's moving on and who's moving up in the industry

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