It’s Monday, and while you can probably guess where the bearish Twist stands on homebuilders and lenders, you might not know where Jim Cramer of CNBC’s "Mad Money" stands.  Check out this video, and you still won’t know:

 

So Doomers, do you have any projections that can outperform Cramers?  We welcome your comments on this or any other housing related topics.  This is an open thread.