In recent years, we've often heard predictions about a housing market crash. Currently, the data suggests that the next few months, with winter approaching, could indeed be challenging due to the high inventory levels. We have about 9 months of housing supply, and this is expected to increase in the coming months. Some argue that if interest rates drop, buyers will return aggressively. However, if that were the case, builders who are already buying down rates aggressively would be selling more homes, but they aren’t. I think the Sunbelt states, in particular, are going to struggle significantly.