The anecdotal example of Brooklyn is a bad example IMO. Everyone knows how gentrified Brooklyn has become. As a result, real estate prices for those areas are going way up. For those in SF, the same is happening to Oakland.<p>Also, having just got a mortgage, I can anecdotally counter that despite Quicken&#x27;s claims with Rocket, getting a mortgage, at least a &quot;good&quot; mortgage loan is still incredibly difficult. Thanks to 2008, 2016 loans require a shit ton of disclosures. So, if there&#x27;s a bad loan lying around, you best bet it&#x27;s going to be hard to disguise it.<p>As for the &lt; 20% down? That&#x27;s not a sign of a bad economy per se. I&#x27;d factor that more to a generation of poor savers. NPR recently had a whole segment on how little the current generation of millennials saves.<p>Home prices increasing is due to the fact that it&#x27;s a seller&#x27;s market. But, rent prices are increasing as well. IMO you could look at it from a different perspective. Recent homeowners are buying because it&#x27;s currently cheap to borrow and the long-term result is that they actually save money because rent is increasing at such a dramatic pace.<p>All said, I do agree w&#x2F; the headline, just not with the author&#x27;s anecdotal proof.