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Ahh I see what you mean. But aren’t P&I loans more popular with PPOR buyers? And these are the people that really drive the market, not investors, investors will fall off if the numbers don’t stack up. At least that’s how it works in my head

Yeah that’s what I was getting at. Imagine if an IO loan was transferable to your kids.

how far can credit expansion go? why do people think house prices are tied to wages? yes, I think that's the future, also generational loans