I can’t help but think the last couple of days are a great example of how dangerous the OP’s proposal is. Interest rates are dropping a good bit, and that means that more than likely there isn’t going to be much if any house price drop. It just seems to me way too hard to know where the market is going and by how much in the next couple of years. Those of use who timed the last market correction correctly like to think we’re smart, but in truth we just got lucky more than anything.