That is artificially low because there was never a mortgage, it was a complete cash deal. 

Others want to create artificial barriers to entry because they don't want to compete or want someone else to blame for their problems.

Never use figures from an artificially inflated market of over 5 years ago, those numbers are meaningless.

Rates are artificially low.

This program has helped keep mortgages rates low, or more accurately artificially low.

I have some information of what is illegal.Definition of "Illegal" Flipping:This is from FannieMaeProperty Flipping - Illegal property flipping occurs when a property is refinanced or resold immediately after purchase for an artificially inflated value.

Artificially inflating prices by holding back supply only postpones the inevitable.So many things that can be done by both government and the private sector.

Banks are holding onto inventory in an effort to artificially increase prices by lower supply (or so it seems).

Doctors get to practice medicine, Realtors get to practice real estate, Attorneys get to practice law - all of which require a licensing process.

I'm more of a free market guy and there is nothing free market about tax incentives that artificially push up the price of housing and induce people to take on massive amounts of debt.