Mark up? Wait till all the foreclosures and short sales start kicking in again next spring because people have been overpaying for real estate for the last 6 years, thanks to nearly free money on 3% interest rates. All the home buyers who only put 10-20% down are f.d as real estate values are already down nearly 10% and counting, especially when you throw in closing costs and taxes to close a transaction, and there's tens of millions of recent home buyers who are trapped for years to come, or bail/buy themselves out at closing to protect credit, or they short sale / foreclose.