I’m with you betting on fall.
I don’t know how he came up with $6100/mo carrying cost.

He said he had a 15% deposit. Assuming that’s his down payment, I come up with about a 4% payment to make it come out to 6100 per month. Assuming 1.125% prop tax and ignoring maintenance.

4% would imply that he has a neg-am option ARM or some other crap, that I thought no longer existed.