I’ve got plenty of refinance potential sitting on the table right now but I’m stuck in that familiar gray zone of when to actually pull the trigger.
The hesitation isn’t about qualification or structure. It’s the fea...

I say it's the hangover from the glory of yesteryear's record sellers market, when it was pretty much name your price and some buyer with the FOMO syndrome will over 5% more than asking price.If these sellers don't need to sell, they won't; they'll delist. 

That's why we tend to stumble into them like drunken sailors, and only realize the full fledged idiocy after the hang over. 

Free money was the toxin, and now the housing market is living with the consequences.But here’s the bigger question:Is this just the beginning of the hangover?

Foreclosures aren’t triggered by home value; they’re triggered by missed payments, and payments depend on income.What we’re seeing now feels like the hangover after the pandemic-era party.

Tenants, "go into Holiday-mode" and start spending disposable income (and racking up their credit cards) on Thanksgiving feasts & trips, Xmas presents & trips, and finally NYE plans.3) Income Tax Refund checks start being received towards the end of February and corresponding, the rental market starts picking up again as tenants payoff their “Holiday Hangovers".4) Spring Fever starts, sometime in April-May, causing both sales & rental markets to start picking up.

Tenants, "go into Holiday-mode" and start spending disposable income (and racking up their credit cards) on Thanksgiving feasts & trips, Xmas presents & trips, and finally NYE plans.3) Income Tax Refund checks start being received towards the end of February and corresponding, the rental market starts picking up again as tenants payoff their “Holiday Hangovers".4) Spring Fever starts, sometime in April-May, causing both sales & rental markets to start picking up.

@Luis Cerwin as others have stated, Nov - Jan is the worst time of year to have a vacancy.Majority of tenants live paycheck-to-paycheck, so all their income goes to Holiday spending starting with Halloween, then Thanksgiving, then xmas, then NYE.January is also historically the worst month for rent payments due to Holiday Hangover Spending.

Just a really bad hangover 

You can taint her credit and let it hang over her for the years to come with a collection agency chasing your monies, but youll most likely not see a penny.