user: In this Cole Valley loft, a floating stairwell takes you to a roof deck

Living room detail. Photos: MLS via Sotheby's

Living room detail. Photos: MLS via Sotheby's

The outside belies the light interior. Photos: MLS via Sotheby's

The outside belies the light interior. Photos: MLS via Sotheby's

Your door... Photos: MLS via Sotheby's

Your door... Photos: MLS via Sotheby's

Entry area. Photos: MLS via Sotheby's

Entry area. Photos: MLS via Sotheby's

Stairwell and layout. Photos: MLS via Sotheby's

Stairwell and layout. Photos: MLS via Sotheby's

Floating staircase is suspended from ceiling. Photos: MLS via Sotheby's

Floating staircase is suspended from ceiling. Photos: MLS via Sotheby's

Under the stairs... Photos: MLS via Sotheby's

Under the stairs... Photos: MLS via Sotheby's

Open great room. Photos: MLS via Sotheby's

Open great room. Photos: MLS via Sotheby's

Looking back at entry. Photos: MLS via Sotheby's

Looking back at entry. Photos: MLS via Sotheby's

Dine/cook. Photos: MLS via Sotheby's

Dine/cook. Photos: MLS via Sotheby's

Industrial but not cold. Photos: MLS via Sotheby's

Industrial but not cold. Photos: MLS via Sotheby's

formal dining. Photos: MLS via Sotheby's

formal dining. Photos: MLS via Sotheby's

Kitchen. Photos: MLS via Sotheby's

Kitchen. Photos: MLS via Sotheby's

Closer up of kitchen features. Photos: MLS via Sotheby's

Closer up of kitchen features. Photos: MLS via Sotheby's

1 of 3 beds. Photos: MLS via Sotheby's

1 of 3 beds. Photos: MLS via Sotheby's

Bed 2. Photos: MLS via Sotheby's

Bed 2. Photos: MLS via Sotheby's

Bed 2, again. Photos: MLS via Sotheby's

Bed 2, again. Photos: MLS via Sotheby's

1 of 2 baths. Photos: MLS via Sotheby's

1 of 2 baths. Photos: MLS via Sotheby's

Bed 3. Photos: MLS via Sotheby's

Bed 3. Photos: MLS via Sotheby's

Bed 4, though the listing on mentions 3.

Bed 4, though the listing on mentions 3.

Bedrooms keep coming. Photos: MLS via Sotheby's

Bedrooms keep coming. Photos: MLS via Sotheby's

Same bed, different view. Photos: MLS via Sotheby's

Same bed, different view. Photos: MLS via Sotheby's

2nd bath. Photos: MLS via Sotheby's

2nd bath. Photos: MLS via Sotheby's

up the stairs.... Photos: MLS via Sotheby's

up the stairs.... Photos: MLS via Sotheby's

A feat of geometry and physics. Photos: MLS via Sotheby's

A feat of geometry and physics. Photos: MLS via Sotheby's

Upper landing. Photos: MLS via Sotheby's

Upper landing. Photos: MLS via Sotheby's

Roof deck Photos: MLS via Sotheby's

Roof deck Photos: MLS via Sotheby's

Awesome outdoor space. Photos: MLS via Sotheby's

Awesome outdoor space. Photos: MLS via Sotheby's

Angles and views. Photos: MLS via Sotheby's

Angles and views. Photos: MLS via Sotheby's

Floorplan. Photos: MLS via Sotheby's

Floorplan. Photos: MLS via Sotheby's

summary: Built in 1994, this industrial-looking, loft-like home offers a rare modern choice for those who want to live in Cole Valley, but don’t want one of the Victorians that mainly populate that ne…


Louisiana, Mississippi and Maryland Have the Highest Loan Delinquency

Not all states are equal when it comes to auto loan delinquencies.

Over the past few years, regulators have become increasingly alarmed about the rising volume of auto loans and delinquencies in the U.S. Some have drawn (questionable) parallels to the role of subprime mortgages leading up to the financial crisis. And the first three months of 2016 has been no exception to supporting that trend.

Experian, an industry analyst group, reported that total outstanding auto loans in the first three months of 2016 reached $1.005 trillion—up 11% year over year. That’s slightly lower than the Federal Reserve‘s estimates of $1.052 trillion as of March.

At the same time, repayments that have missed a month, 30-day delinquencies, have also risen from 2.02% in the first quarter of last year to 2.10% of loans this year.

Yet, while delinquencies might be expected to hit states with a higher number of cars per capita—such as the oil rich states of North Dakota or Alaska—it’s the Southern states that actually experience higher rates of delinquencies.

According to Experian, Louisiana at 3.08%, and Mississippi, at 3.28%, saw some of the highest rate of delinquencies in the first quarter of 2016. Maryland, with a delinquency rate of 3.18% also places in the top three states.

Experian also noted that the volume of subprime loans increased 10.9% year over year. Open leases also grew by 27.6%, to an all-time high of $76.9 billion.

Though the company also noted that delinquency rates are still low compared to historical levels.

“Findings from the report also show that while there were increases in both 30- and 60-day delinquency rates, the overall percentage of total delinquent loans remains relatively low when compared to pre-recession levels,” Experian wrote in a statement.

summary:

assistant: More than 3% of loans are delinquent in some states.