Here are some reasons why we aren't in a housing bubble:
A healthy market has 6 months of housing inventory. From 2018 - 2022, we went from 4 to 2 months of inventory. Compare that to 8-10 months in the 2008 financial crisis.
In the last 4 years, a seventh of the number of housing loans are being given out to people with a credit score of less than 620.
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