This ain’t the 90’s. Back then, ARM loans were the exception, not the norm. 100% financing in the 90’s? Unheard of.
That being said, I made a sheetload off the SPF stock someone here posted (thanks! After the fed rate cut it went up 18%, I shorted it, it went down 39%) so I’d say this deflation is going GREAT. Depends on your perspective I reckon!