You could have 1 million dollars in equity and 500k in debt in 2007 and then the housing market bubble crashes and suddenly your equity is only sitting at 500k, but your debt is still 500k.  

I am only guessing to what the issue is, but my hunch is because this market went from 3-4% growth and being a very linear market that was mostly for cash-flow investors to all of a sudden a HUGE rush of investors and hedge funds fighting for inventory and willing to pay over market value.

What’s the reason for the one-year surge?

Because if a hurricane comes through and causes massive tidal surge, the flooding is usually not covered under the hurricane policy.

The nice big 4x8 windows we ordered from Lowe's are suddenly delayed by a couple of weeks (they were supposed to have arrived already).

Customizable Adventures: We can tailor the payment plan to fit your lifestyle like a glove, offering flexibility that’s as refreshing as a summer breeze.Tax-Savvy Moves: Spread out the sale and dance around those hefty capital gains taxes, keeping more money in your pocket.A Legacy of Ease: Rather than a sudden windfall, seller financing allows you to sprinkle your wealth to your heirs, ensuring their financial serenity.Smooth Sailing: Forget the banks and their mountains of paperwork; our path is paved with minimal hassle and maximum ease.A Sure Thing: Opening the door to seller financing means more interested buyers might come knocking, boosting the chances of a sale that makes everyone happy.Convinced?

All of a sudden you will be paying only 40% on the 30K + 10-15% for PR taxes for 30K assuming you didn't cap out. 

How would the value of rubies change is all of the sudden people all across the country and world started getting flooded with reels about investing in rubies and the benefits. 

As a result, if RBC decides like the other main banks they are not financing student rentals, all the sudden your property is significantly less marketable.As a result, if you are going to go student rental route, make sure the cash flow is very very strong.

If mortgage rates drop under 7%, we’ll see a surge in home prices again.