There's no question the first half of this year will likely be the toughest real estate market ever. While the Great Recession was brutal, the industry was busy with foreclosures and short sales. This time, there are few transactions as the market is paralyzed due to higher rates, low inventory, and a significant lack of affordability. In spite of that, WFG Founder & Executive Chairman Patrick Stone explains why he's optimistic that things will turn around in the second half of this year.