In the Early 21^st Century, What Led Many Americans to Buy

In the early 21^st century, what led many Americans to buy a home they could not afford in the long run?

A) They were ready to default and live rent free during the foreclosure process.
B) They expected their home price to rise so that they could sell with a profit.
C) They were hopeful that their earnings would soon catch up with their mortgage.
D) They were hoping that the adjustable rate on their subprime mortgage would go down.