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The 2008 housing crash wasn’t just caused by subprime loans, but largely by Alt-A loans given to middle- and upper-income borrowers, many of whom walked away when prices fell. New research shows poor borrowers weren’t the main issue—speculators and over-leveraged investors were. Today, we may be repeating the same mistakes with inflated credit scores, lax lending standards, and overvalued Airbnb-style investments.
