If, as I think you believe, that the major price decreases for typical homes are still to occur, I really don’t see how in good conscience you can let any of your non “very high end clients” trade up at all. I can see you having them trade down to a lesser-priced home, or having them sell their properties and renting for a few years. But if they trade up, then in your mind aren’t you dooming them to lose more money?
If they own a $500,000 property that declines 20% they lose $100,000, but in an $800,000 home they could lose $160,000. Where are the morals and ethics, and what about the fiduciary duty to your clients?