Yep, people need to understand that people are going to be a little reticent to give more money to the bank and keep less for themselves when selling their prop

Yep, people need to understand that people are going to be a little reticent to give more money to the bank and keep less for themselves when selling their property, thus, they will have a propensity to raise their prices or not sell altogether. On the other side of the equation, given higher costs, and giving fixed budgets for buying a home, people will have to quit buying or buying less valuable houses that they can still buy, probably smaller, or in less desirable neighborhoods. The net effect is one of a net transfer of wealth to the financer viz-a-viz sellers and buyers. We just invented reverse socialism.