system
A chat on subreddit /r/wallstreetbets
human
This is essentially what it is, finding the last suckers. Investors started pulling out of single family homes 2-3 years ago, first time homeowners are the last sucker group to buy up at these prices, competing with the last drips of foreign money who are trying to flee their own weak currencies.

gpt
That sucks for me, I'm a first-time homebuyer and I pretty much need a home ASAP because my in-laws want my wife and I to start moving out by the end of November (our son will be entering his toddler years), if we can't secure a mortgage on *something*, it's an indefinite future of renting a small apartment in a nearby city for us. We need an affordable home loan badly, and our credit is in 'rebuilding' mode. :(