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The road to recovery from the subprime crisis, coupled with limited new housing construction during the pandemic, led to record-high housing prices. People shuffled about during COVID, driving down available stock.

Years later there’s a surplus of homes on the market, but sales have tanked. Mortgage rates are through the roof, thanks to massive federal deficits under recent administrations. The capital shriveling from the Baby Boomers retiring has begun, and more and more homes are being put back on the market as this older generation passes away.

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