I talked with my attorney who really hasn't done any short sales since the crash.

I will say this, in the 35 years that I've been a lender/investor, I've been through 3 major crashes/downturns.

Hiring is slow, not frozen.This environment typically supports gradual rate adjustments rather than aggressive moves.What This Means for Mortgage RatesInflation is cooling.Labor data is softening beneath the surface.The Fed remains cautious.Housing affordability is improving.That’s not a crash setup.It’s a stabilization setup.And stabilization is often what allows spring markets to gain traction.What to Watch This WeekFed meeting minutes (Wednesday)Q4 GDP (Friday)December PCE inflation (Friday)Builder confidence + new home sales + pending salesMarkets will be watching closely for confirmation that inflation continues easing.Technical SnapshotMortgage Bonds are testing resistance near 100.38.

I was working at a bank right before the last crash when I started.

Compare that to other properties.This is how I started a couple years after the 2008 crash.

I don’t see a housing crash like the doomers have been telling us for the last 6 or 7 years.

have they managed similar opportunities through a crash like 2007-2008?"

Prices aren’t crashing.

Enjoy the read and love to hear your feedback2026 will not be defined by a market crash or rapid recovery, but by recalibration.

Some of the new AI stuff will crash and burn...it's not perfect by any means - but what we have now is nuts.