Is a massive real estate crash on the horizon? Experts are divided, but what do you think—are there warning signs suggesting caution for potential buyers and investors?

When I help new investors with buying their first property I often want to know what is holding them back from pulling the trigger.So I'll ask here. What is holding you back?

Unfortunately I've been away for a few months while taking care of some personal matters, so I haven't been able to keep up on discussions. 
However, several months ago there were ample amount of folks here insisting...