Hot take 🔥 I don’t believe the real fallout from higher interest rates is happening in 2026. Yes — rates doubled for many households. Yes — payments increased. But most people will simply renew and move on. The real pressure? It’s the consumer debt. It’s the cost of living. It’s the fact that equity is no longer the easy “reset button.” For years, people refinanced to clean things up. That option isn’t as available anymore. My prediction? If we see strain, it will likely show up in 2027–2028 —