Plus, the emotional peace of mind from owning a home outright is significant, offering both psychological and financial benefits.

Dave speaks most to people who have been psychologically damaged by their debt, their family's debt, the poverty of their communities, who suffer from all kinds of learned helplessness and terrible money habits.Fix what's deeply wrong first with Dave Ramsey.

@John Dehn I like your idea of offering it as a closing credit, even if you aren't responsible for the charges, if you want them to buy the property that could be a good incentive to move forward with the purchase, it may seem insignificant relative to the purchase price, but small psychological things like that can have an impact on people's decision making. 

Your first point is how markets work and investor psychology, and anyone whose invested for term or traded deeply will resonate with this.

Great topic....I am at a similar psychological crossroads too and I pivoted back to putting my health first.

I would say 5-5.5% is the sweet spot for when folks will demand will rush back, partially due to mortgage payment affordability and partly psychological, after seeing both 8% rates and 2% rates in just the last handful of years.

It psychologically changes the game and puts pressure on them to behave.How does Obligo make money?

I do not see any sociology, psychology, anthropology, gender studies, etc. majors in the real estate field.

Though I'm guessing neither of those are true to a large extent.There are not a lot of things in this world that I would claim to be great at, but negotiation, persuasion and human psychology would certainly fit into that category.

It is also a "this is mine and it's tangible" psychological play.