>it could be wise to become a little bit liquid right now That seems about a year too late on the nose, though I get your point. One staggering stat for me is

>it could be wise to become a little bit liquid right now That seems about a year too late on the nose, though I get your point. One staggering stat for me is that ~40% of owner-occupied homes have no mortgage. Sure property tax and insurance (not required on a fully owned house) but that seems minimal especially if you were able to pay off the home, outside of very high areas or appreciation.