The Housing Market Is NOT Going To CRASH | Should You BUY A Home In Today's Market?

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The housing market is not going to crash, however there is a group of homebuyers we need to keep an eye on. The five reasons I do not believe the market will crash:
1. This is not the 2008 housing crisis.
2. 42% of homeowners do not have a mortgage.
3. 62% of homeowners that do have a mortgage, have a 4% interest rate or lower.
4. Institutional investors are buying up starter homes in the 300K - 500k range. These are typically the most sought after homes for first time home buyers, Millennials, Gen Z and Boomers who are looking to downsize.
5. Qualified buyers. Many folks who purchased a home in the past few years have high incomes and low debts.
The group we need to watch are the those folks who over extended themselves the past few years. I hope the economy turns around and people can alleviate some of this financial pressure.
Are there any other scenarios you think could create a potential crash in the market?