•            Looking at market supply/demand impact

•            As the CARES program sunsets are we starting to see more troubled housing? Where?

•            Impact of the amount of equity in homes

•            Role of student loan payments re-starting?

•            NPL, foreclosure, short sale and REO activity

•            Payment to income ratios

•            In which markets are defaults and foreclosures picking up? 

•            In what direction do you think distress will go? Where will be the most?