Photos: Cap Times Talks on Madison's hot housing market

City housing initiatives specialist Matt Wachter said he believes that number is on the rise, as might be indicated in the hot seller’s market currently at play in Madison. But others acknowledged that for people looking for to buy, fallout from the subprime mortgage crisis of ten years ago may still be a deterrent. Hanif Nu’Man, chief sociologist at ReSCI Consulting, said ability to buy comes down to the “three Cs” of lending: Capacity, Collateral and Credit.