re: If trump wins I think housing rates will drop

Short term, rates will fall because a recession will kick in shortly and inflation will wane because the great monetary expansion on 20-21 has had it effect and money supply has been retracting since.

Long term, housing prices will retract by 50% or so because structurally speaking, fewer people can qualify for the homes they want. And long term rates will prove resistant to declines because the fiscal situation is ominous.

I see lower housing prices, but then a long period of stagflation that may last for generations.