On a macro level, there were a few catalysts prior to COVID-19:- SALT deduction cap had a punitive effect on high cost states which typically have higher mortgage balances (read: higher deductible mortgage interest), higher state income taxes, and higher property taxes.

@Nick TroutmanTake everyone's comment with a grain of salt, including mine.

But I’m not an economist and take what I say with a grain of salt.

So take it with a grain of salt, just do what works for your own investment profile, personal and financial goals and you will do just fine without any specific ratio limits set by someone named Dave Ramsey.

Basically it came down to salt, water, and breast milk, and I don't think anyone would like a gift of breast milk in a bottle :PSo like coming to a party of 50 people or more, I'm going to bring the gift I intended to bring(bottle of wine for example), even if there might be someone allergic to it. 

Now, I am still working towards getting my first deal, but I have realized I take it all with handful of salt grains on a margarita glass.I take into consideration what they say, why they're saying it, and I see how it applies to myself in goals and knowledge.

The Times is not going to sell "People are moving around CA" so I take it as a grain of salt.

-I live in the Salt Lake City area where the median home price is about $440K, and homes in "undesirable areas" are upwards of $260K.

A RE agent is getting a commission so their opinion if you are working with them for the first time, should be taken with a grain of salt.

SALT LAKE CITY, super solid job market and great snow!