You don't even want to get into that pissing contest, I was telling people in 2004 not to buy and housing had a 50%+ correction to take, especially in FL (where I lived, first in Miami and then Orlando/Metrowest). You can see on the GotApex forums that this was the case, anybody on here that was on there can tell you the same (funny, there was a guy there ejaculating all over his bimmer there too). In 2006 when I was working in NOVA I could have bought a nice 400k condo there, downtown Reston VA, but I refused to b/c I knew it was going to crash. My landlord laughed at me when I told her that, much like housing affiliated goobers like you, she was all-in. I also had a lot of these conversations on
www.analystforum.com when I was taking the CFA exams from 2003-2006.
I have a hard time believing your rate was that high in 2007, but whatever bro, you're still flipped on your house by 200k because you were a fool to buy into the FL bubble. 1/3 of your supposed issues are supposedly due to Citi (which I still don't believe and you haven't posted anything to confirm).
So now you're really not that huge of a baller, but you bought a used car (was it CPO?) with financing, wow, big fucking ideal. I am very impressed by you (lol).