system
A chat on subreddit /r/wallstreetbets
human
It’s usually volume, which makes you question if inventory or people unwilling to trade their low interest rate for a higher one is the real problem.
gpt
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.