I don't think the stimulus checks have much effect on this. As long as interest rates are so low that money is essentially free, the bubble won't pop. Rates will be kept low by the govt until the economy recovers, or external inflationary pressures force them up. Like I said before, timeline's just a guess. I'm probably wrong about timing and the sequence of events. If I could prefect the future as accurately as I suggested above, I'd be rolling around on a Scrooge McDuck-like pile of gold instead of posting here.