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Bubble vs. Affordability Crisis: Why the Difference Matters A lot of people say we’re in a “housing bubble.” But a bubble is when prices are artificially inflated and ready to collapse. What we’re actually seeing is an affordability crisis — and it’s a very different situation. Low inventory. High demand. Higher interest rates. All pushing against each other at the same time. That’s not temporary. It’s structural. And when you understand the difference, you stop waiting for a “burst” that isn’t
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