It is not one thing that leads to a Housing Crash, it is multiple items that simultaneously contribute to the overall stress in the Housing Market and turn the tides towards a Housing Correction or Housing Crash. The list i reviewed is extensive. There will be those who are quick to say that "This time will be different". Their arguments can easily be disputed with legitimate facts and actual phenomenon taking place in the US Housing Market.
So everyday we are listening to more "doom and gloom" regarding the US Housing Market, some of it justified. The Federal Reserve, specifically Jerome Powell, has stated that the Housing Market needs a "Reset" in order to level the playing field for all potential Buyers. They are trying to curtail rampant inflation and Home Price Appreciation simultaneously. Let's see if they can pull this off. Lower Price Points on the Way!
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