We will see some seasonality softening here as we enter Q4 '23. Houses still YoY will be up. There's just too much of a short out there supply wise, way too much.

Doubt many will assume loans out, the better option is to rent out. I also would not assume someone's loan even at such a low rate; you now run their credit risk for the maturity of the loan. Plus, lenders will look at that unfavorably.

Really, it's time to buy calls on oil producers. And buy puts on regional banking/overall banking. Or get cute and sell a call on an energy ETF, and buy a put on it too.