A new preprint analyzing 39 broad-line AGN from CEERS and RUBIES surveys (Gupta et al. 2026) finds the Mbh/M* ratio elevated above the local relation only for sources at z>4.5, while z<3.5 objects sit on the z=0 sequence. The shift is driven entirely by lower stellar masses once BEAGLE-AGN modeling subtracts NLR and continuum contributions; black-hole masses themselves show no strong redshift trend. This rapid transition, occurring in roughly 500 Myr, aligns with theoretical pictures in which seed black holes grow first via efficient accretion before host galaxies assemble their stellar mass. Standard semi-analytic models and hydrodynamical simulations calibrated at lower redshift struggle to produce such overmassive black holes without invoking sustained super-Eddington phases or heavy seeds. The work improves on earlier JWST claims by using kinematic decomposition from G395M gratings to isolate broad-line components and by testing the impact of AGN templates on M* recovery, yet the sample remains modest and excludes the most dust-obscured LRD population that BEAGLE-AGN cannot yet model. Complementary evidence from independent CEERS analyses (Kocevski et al. 2023) and theoretical seed-growth runs (Pacucci & Loeb 2024) suggests the same early overmassive phase, reinforcing that the observed break is unlikely to be purely methodological. If confirmed, the result implies that galaxy assembly at z~4-5 must proceed faster than most current models allow once black-hole feedback turns on.