maybe I'm on a raging rant or something... 1. housing is expensive. 2. some people can't afford to finance/buy it. 3. people lose housing. 4. some people can afford to buy housing with cash as an investment and charge "market rate" 5. some people can afford to buy housing on credit and HAVE TO charge "market rate" to make the inflated mortgage (see point 1) 6. some people think they can afford to do point 5, but really can't and since they leveraged too steep - they find themselves at point 3. I know I'm stating the obvious - but I'm trying to work it out on paper... The only people who win in this whole situation are the people with capital already. Compensation isn't keeping up with housing costs (anecdotally anyway) Fewer people will be able to afford housing. . . people with capital win