For several, post-World War II generations of families, owning a home has been an important part of the “American Dream.” Unfortunately, a “perfect storm” of factors has caused the American Dream to feel more like a nightmare for homebuyers. These include historically low mortgage rates; the largest population cohort in history - those born after 1980 - starting families; a pandemic that fundamentally changed how families worked and educated their children; and low yields in traditional investments that propelled investment in residential real estate.