Doctor: “Sir, I have some bad news, I’m afraid your DNA is backwards.” Me: “and?” If you don’t like bad news, skip this opening paragraph. If you want some reality, read on. First off, U.S. home foreclosures are accelerating: filings rose 26 percent year-over-year in Q1 2026, to roughly 119k, the highest in six years. It’s expensive to own a home! The last time they hit this level (early 2020), government relief programs and pandemic stimulus caused them to decline. As everyo