America Divided Cut

America Becoming Economically Divided, Split, Cut or Fractured; Commercial Mortgage Delinquencies Near Record Levels

America Divided Split Cut or Fractured:

Zechariah 12:3 And in that day will I make Jerusalem a burdensome stone for all people: all that burden themselves with it shall be cut in pieces, though all the people of the earth be gathered together against it.

Matthew 12:25 And Jesus knew their thoughts, and said unto them, Every kingdom divided against itself is brought to desolation; and every city or house divided against itself shall not stand:

Mark 3:24 And if a kingdom be divided against itself, that kingdom cannot stand.

Mark 3:25 And if a house be divided against itself, that house cannot stand.

Luke 11:17 But he, knowing their thoughts, said unto them, Every kingdom divided against itself is brought to desolation; and a house divided against a house falleth.

Luke 12:53 The father shall be divided against the son, and the son against the father; the mother against the daughter, and the daughter against the mother; the mother in law against her daughter in law, and the daughter in law against her mother in law.

The US Government has become politically divided and is in discord and disunity. The political division affecting and splitting America is a direct result of its efforts to ‘divide Jerusalem’ via the ‘Deal of the Century’ or the regional covenant of peace and security in the Middle East. Throughout scripture, God has made it abundantly clear that Jerusalem is the ‘apple of his eye’ and has his stamp of ownership on it … above all other cities on earth. God makes it adequately clear in Zechariah 12:3 that any nation that attempts to cut or divide up Jerusalem, will themselves be cut up or divided. As such, the US is cut or divided politically because of its leadership role in attempting to split God’s Holy City of earthly Jerusalem. Plain and simple.

OK. So it’s clear about the accelerating implosion of political unity in the US. Political discord will get worse and become angrier, antagonistic, confrontational, and hateful with little to no compromise, concession, agreement or unity. Contempt and distrust rules the day. Some would say this is already the case not only between Democrats and Republicans, but also within each party. Whether you believe the US being extremely divided is a result of God’s wrath for its role in dividing Jerusalem or not, it doesn’t matter. The fact remains that the US is becoming bitterly more and more divided. This division has also taken place in culture (LGBTQP+ social inclusiveness agenda), economics (income inequality), etc. The list can go on. America is divided on so many levels, not just politically.

Why is there no mention of the ‘United’ States in Bible Prophecy?

Prophetic Discernment: Seven (7) year ‘book-end’ solar eclipses, August 2017 to April 2024. God’s divine completion to His plan or purpose for the once powerful and great ‘United’ States. Seven (7) spirits affected; Financially, Politically, Militarily, Geographically, Geo-Politically, Spiritually and Socially. January 2024 (after the ‘Abomination of Desolation’ that took place in December 2023) marks the ‘start’ of the final 3.5 years of the tribulation where God PERSONALLY and supernaturally protects Israel in Petra. No further need of the United States to be Israel’s ‘Big Brother’ watching over her and protecting her and giving her financial aid. By the start of 2024, the once ‘United’ States will have descended into anarchy, chaos, rebellion, the bottomless pit, despair, insolvency and strife. And irrelevancy, divide, confusion, bitterness, family against family and against its self, discord and despondency. For 70 (7) years, the United States was Israel’s ‘worldly’ protector and benefactor (1948-2018). For another last seven (7) years, August 2017 to April 2024, America’s ‘Divider in Chief’ and ‘Judas Divider’ spent three (3) intense and emphatic years (July 2017 through July 2020) planning and executing a ‘dividing, splitting, cutting or fracturing of Israel and Jerusalem. For the next and final last four (4) years, in equal parts, America steadily fell apart, literally and figuratively in every area of society. ‘The Eagle has left the old, decayed and rotten nest to seek a new home.’

America Becoming Economically Divided, Split, Cut or Fractured; Commercial Mortgage Delinquencies Near Record Levels

July 16, 2020 by IWB

Delinquency rates across commercial properties have shot up faster than at any other time.

As thousands of restaurants, hotels, and local businesses in the U.S. struggle to stay open, delinquency rates across commercial mortgage-backed securities (CMBS)—fixed income investments backed by a pool of commercial mortgages— have tripled in three months to 10.32%.

In just a few months, delinquency rates have already effectively reached their 2012 peaks. To put this in perspective, consider that it took well over two years for mortgage delinquency rates to reach the same historic levels in the aftermath of the housing crisis of 2009.

The above chart draws data from Trepp and illustrates the recent shocks to the CMBS market, broken down by property type.

Storm Rumblings

While there is optimism in some areas of the market, accommodation mortgages have witnessed delinquency rates soar over 24%.

Amid strict containment efforts in April, average revenues per room plummeted all the way to $16 per night—an 84% drop.

Similarly, retail properties have been rattled. Almost one-fifth are in delinquencies. From January-June 2020, at least 15 (5+5+5)  major retailers have filed for bankruptcy and over $20 billion in CMBS loans have exposure to flailing chains such as JCPenney, Neiman Marcus, and Macy’s.

On the other hand, industrial property types have remained stable, hovering close to their January levels. This is likely attributable in part to the fact that the rise in e-commerce sales have helped support warehouse operations.

For multifamily and office buildings, Washington’s stimulus packages have helped renters to continue making payments thus far. Still, as the government considers ending stimulus packages in the near future, a lack of relief funding could spell trouble.

Weighing the Impact on U.S. Cities

How do delinquency rates vary across the top metropolitan areas in America?

Below, we can see that the delinquent balance and delinquency rates vary widely by city. Note that this data is for private-labeled CMBS, which are issued by investment banks and private entities rather than government agencies.

Despite the New York city metropolitan area having a delinquent balance of $7 billion, its delinquency rates fall on the lower end of the spectrum, at 7%. New York alone accounts for 18% of the total balance of private-label CMBS.

By comparison, the Syracuse metropolitan area has an eye-opening delinquency rate of 69%. Syracuse is home to the shopping complex, Destiny USA, which is facing tenant uncertainties due to COVID-19. The six-story mall attracts 26 million visitors annually.

Like the overall market, delinquencies are being driven by accommodation and retail properties across many of these U.S. metropolitan areas.

What Comes Next

What happens when delinquency rates get too high?

Often, when borrowers do not make payment after a reasonable amount of time, they enter into default. While time ranges can vary, defaults typically take place after at least 60 days of nonpayment. Between May and June, defaults in the CMBS market surged 792% to $5.5 billion.

As effects reverberate, properties could eventually fall into foreclosure. At the same time, institutional investors who own these types of securities, which include pensions, could begin seeing steep losses.

That said, the Federal Reserve has set up mechanisms to purchase CMBS loans with the highest credit quality. This is designed to inject liquidity into the mortgage market, while also financing small and mid-sized properties that house small businesses. In turn, this can enable the employment of millions of Americans.

Of course, it remains to be seen whether the mortgage market will face a sustained downturn akin to the financial crisis, or if the temporary decline will soon subside.

In His Service,

Night Watchman

Paul Rolland

Night Watchman Ministries

Make Your Decision for Christ NOW!!!!!!! Time is Up!!!!!!!

Jesus Christ’s Offer of Salvation:

The ABCs of Salvation through Jesus Christ (the Lamb)

A. Admit/Acknowledge/Accept that you are sinner. Ask God’s forgiveness and repent of your sins.

. . . “For all have sinned, and come short of the glory of God.” (Romans 3:23).

. . . “As it is written, There is none righteous, no, not one.” (Romans 3:10).

. . . “If we say that we have no sin, we deceive ourselves, and the truth is not in us.” (1 John 1:8).

B. Believe Jesus is Lord. Believe that Jesus Christ is who He claimed to be; that He was both fully God and fully man and that we are saved through His death, burial, and resurrection. Put your trust in Him as your only hope of salvation. Become a son or daughter of God by receiving Christ.

. . . “That whosoever believeth in him should not perish, but have eternal life. For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. For God sent not his son into the world to condemn the world; but that the world through him might be saved. (John 3:15-17). For whosoever shall call upon the name of the Lord shall be saved.” (Romans 10:13).

C. Call upon His name, Confess with your heart and with your lips that Jesus is your Lord and Savior.

. . . “That if thou shalt confess with thy mouth the Lord Jesus, and shalt believe in thine heart that God hath raised him from the dead, thou shalt be saved. For with the heart man believeth unto righteousness; and with the mouth confession is made unto salvation.” (Romans 10:9-10).

. . . “If we say that we have no sin, we deceive ourselves, and the truth is not in us. If we confess our sins, he is faithful and just to forgive us our sins, and to cleanse us from all unrighteousness. If we say that we have not sinned, we make him a liar, and his word is not in us.” (John 1:8-10).

. . . “And he is the propitiation for our sins: and not for ours only, but also for the sins of the whole world. (John 2:2).

. . . “In this was manifested the love of god toward us, because that God sent his only begotten Son into the world, that we might live through him. And we have seen and do testify that the Father sent the Son to be the Saviour of the world. Whosoever shall confess that Jesus is the Son of God, God dwelleth in him, and he in God.” (1 John 4:9, 14-15).

. . . “But God commendeth his love toward us, in that, while we were yet sinners, Christ died for us. Much more then, being now justified by his blood, we shall be saved from wrath through him. For if, when we were enemies, we were reconciled to God by the death of his Son, much more, being reconciled, we shall be saved by his life.” (Romans 5:8-10).

. . . “For the wages of sin is death; but the gift of God is eternal life through Jesus Christ our Lord.” (Romans 6:23).

. . . “Jesus saith unto them, I am the way, the truth, and the life, no man cometh unto the Father, but by me.” (John 14:6).

. . . “For I am not ashamed of the gospel of Christ: for it is the power of God unto salvation to everyone that believeth.” (Romans 1:16).

. . . “Neither is there salvation in any other: for there is none other name under heaven given among men, whereby we must be saved.” (Acts: 4:12).

. . . “Who will have all men to be saved, and to come unto the knowledge of the truth for there is one God, and one mediator between God and men, the man Christ Jesus.” (1 Timothy 2:4-6).

. . . “For God did not appoint us to suffer wrath but to receive salvation through our Lord Jesus Christ.” (1 Thessalonians 5:9).

. . . “But as many as received him, to them gave the power to become the sons of God, even to them that believe on his name.” (John 1:12).

True Church / Bride of Christ Spared from God’s Wrath:

 Romans 5:8-10. “But God commendeth his love toward us, in that, while we were yet sinners, Christ died for us. Much more then, being now justified by his blood, we shall be saved from wrath through him. For if, when we were enemies, we were reconciled to God by the death of his Son, much more, being reconciled, we shall be saved by his life.”

Romans 12:19Dearly beloved, avenge not yourselves, but rather give place unto wrath: for it is written, Vengeance is mine; I will repay, saith the Lord.

1 Thessalonians 1:10. And to wait for his Son from heaven, whom he raised from the dead, even Jesus, which delivered us from the wrath to come.

1 Thessalonians 5:9. For God hath not appointed us to wrath, but to obtain salvation by our Lord Jesus Christ,

Romans 8:35. Who shall separate us from the love of Christ? shall tribulation, or distress, or persecution, or famine, or nakedness, or peril, or sword?

Jeremiah 30:7. Alas! for that day is great, so that none is like it: it is even the time of Jacob’s trouble, but he shall be saved out of it.

Revelation 3:10 Because thou hast kept the word of my patience, I also will keep thee from the hour of temptation, which shall come upon all the world, to try them that dwell upon the earth.

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