system
A chat on subreddit /r/wallstreetbets
human
Probably both. 

If we could find a decent price on an upgrade home and pay a higher rate we would. 

But to sell our current 3% loan home at an estimated value of 305 and spend 5-600k on what we want at 7% just isn’t smart. Even with pretty good incomes.
gpt
Exactly. I’m in a similar situation and every house we like (promise not trying to go way above means), is at least $150k more than our current home’s market value. It just doesn’t make any sense.