You found a self serving website.  Of course they want lower interest rates.  They are on the selling side.  They are chock full of short term fixes.  They got their mind on their money and the money on their mind.

The current housing situation is the result of years of inaction.  Total political social bad faith, and sloth.  Failure to regulate 'the market' has now priced most Americans out of the housing market to a point where it can no longer be ignored.  Blind faith in the unregulated manifestation of capitalism has screwed the pooch.

The wisdom of the market however is capable of fixing things.



Inflation to the rescue.  Billionaires become trillionaires.  Houses are affordable after the savings of the working class is drained.  That is the key point.  After 'everyone' is broke and everybody in a service job now earns a hundred bucks an hour.  Houses are affordable again.  Decimation has cleaned things out.

It works because not everyone goes broke.  The owning class still owns the same stuff, and more since the middle class is wiped out.  If you have enough money, your money knows how to stay ahead of inflation.  Enough being far more than the average person has.

Shit always rolls downhill under current arrangements.  A holder-over from medieval times.  The system survives and current arrangements are maintained.