All things considered, Obama has been VERY VERY lucky. That luck is about to run out, on whomever is in the White House next. Let it be a Rat. Let them own the collapse.
If you haven't already, watch The Big Short (or read the book). Those events from 8 to 10 years ago are repeating themselves.
For example, a recent story from USA Today reported "Aug 26, 2016 - The percentage of people who qualified for subprime (FICO score of 600 or lower) auto loans but are 60 days or more behind on payments reached 4.59% in July, a 17% increase from a year earlier, according to Fitch Ratings."
The Fed can't keep rates near zero forever.