Could there be a children’s nursery rhyme dedicated to the boatloads of homedebtors in 4-Closure ranch (Sienna Ridge) who bought their albatross in 2005? Might it go something like this:

Row, row, row your debt
Gently down the stream
Merrily, merrily – to the money pit
House is but a DRAIN!

After October 2009, those 2005 buyers with vaporized net worth would wake up to harsh reality and find themselves toiling as serfs to enormous long-term debts. Deflated values up to 50% off become obvious.