But how many of these foreclosured / threatened homes were, are, actually occupied by families who in good (if misguided) faith entered into the American dream by contracting dastardly opaque-small-print mortgages, putting their down payments at risk?

And how many owned by people who were cynically flipping homes, investing there, rather than in the stock market, oil futures of whatever, as tangible assets tend to impress, and may seem easier to understand than financial products?

Did not the housing ‘boom’ or ‘bubble’ - the potential financial gains, deprive many Americans of owning a small home? That last question is polemical, goes beyond the first.

I haven’t a clue.

None. Nobody makes down payments any more. They paid nothing at closing. Paid nothing ever since. Families made money. It's the banks that were bankrupted.