“The only info anyone know for sure is that there are people out there right now who are buying houses w/ plenty of $ down.”

You know it is pretty funny that people are accusing me of trying to read into a small sample size of the population when that is exactly what my question was meant to clarify. How is what I asked any different than what was being implied in the original thread about the proportion of sideliners with enough cash to cover 20% down???

Look, you guys can try to debate this with me all you want, but the bottom line in this DP issue is that it is dependant on the first time buyers in the market. They move the market and according to national statistics, they don’t have the money.