Paul, Frank and Steve start the show by discussing selling homes during the Holidays as well as home prices coming down (1:03), and the amortization should be raised for first-time homebuyers (7:07). After the break, the guys converse about stress test changes (12:30), why prices will increase in 2023 and how baby boomers affect this (15:00), and immigrants buying homes in Canada (18:18). Then, the gang talk about the importance of professional real estate pictures (22:19), and variable vs. fixed-rate mortgages (30:28). To end the show, the guys discuss a 2022 recap of real estate and mortgages (34:17).