[atwebb]

>it could be wise to become a little bit liquid right now

That seems about a year too late on the nose, though I get your point.

One staggering stat for me is that ~40% of owner-occupied homes have no mortgage. Sure property tax and insurance (not required on a fully owned house) but that seems minimal especially if you were able to pay off the home, outside of very high areas or appreciation.

[adenozine]

I'm sorry, can you verify that stat? Upon a search, I see references to that number but in relation to older homeowners.