system
A chat on /r/wallstreetbets
human
These are low income housing markets. Any slowdown, consumer or car markets take a dive will spike their delinquencies like crazy. 
  
 Cheap money does seem an issue but even at around 5 perc cost of capital... They'll still struggle to make any profit on their holdings at the current prices.

gpt
RemindMe! 6 Months 
  
 Cheap money always inflates the value of their assets