Lol , young or naïve. People sell their homes for less than market rate all the time. And of course it matters what caused the market conditions. And asking a rich relative for help is not an option.would you sell your house for less than the market rate? what difference does it make what caused the market conditions?
Suppose your house has been targeted by protesters because you accidentally had an American flag out front. The police are no help. Do you stay and fight or move ?
Suppose you can’t pay your taxes do you sell your house below market rate or do you let the bank take it ?
Suppose you can’t pay your mortgage. Do you let the bank take it or do you sell it for less than market rate if necessary?
Suppose you get divorced, do you sell the house at less than market rate or do you let your wife take it?
If an earthquake knocks houses down that’s a different market condition then an economic collapse. Conditions matter.