system
A chat on subreddit /r/wallstreetbets
human
Most lending is to non-bank lenders now because banks have requirements their competitors don't. They don't want that garbage, banks only want to lend to high credit score high income borrowers.

gpt
Don't forget about all the investors doing the BRRR strategy as well. Buy renovate rent refinance. They're even more leveraged, and those guys will take 0% down all day. Shits fucked