@article{bdks2019house,
  title={House Price Beliefs and Mortgage Leverage Choice},
  author={Bailey, Michael and D{\'a}vila, Eduardo and Kuchler, Theresa and Stroebel, Johannes},
  journal={The Review of Economic Studies},
  volume={86},
  number={6},
  pages={2403--2452},
  year={2019},
  publisher={Oxford University Press}
}