@Kaira Resch I'm no lawyer, and I don't know what your local laws/regs are for in a situation like this (so, you'll want to do your own homework on that)However, in many leases, I think there are often clauses that terminate the lease if the unit becomes uninhabitable due to some uncontrollable event (like a fire, or a tree falling through the roof).

Yes it would be a gamble on appreiation, but just that - a gamble.

Banking on appreciation is gambling

Part of me wants to turn to my brokerage accounts but that’s essentially a gamble.

There are other riskier assets that I think should go up but they are far more of a gamble so I am using our retirement money for those.

You are gambling.

That’s the gamble...

I guess it’s all a gamble really.

I want a linear market because inflation adjusted appreciation is a gamble, no one knows where the markets going.

The only way I would consider what you are proposing is if the equity from your coop is enough to place enough of  downpayment (think 50% of purchase price) on a small multifamily (think 3-4 family) so that the income from the new property is enough to cover all expenses of the new property as well as the loan (or a significant percentage thereof) on your personal residence.It's a gamble that can break you or be the beginnings of your real estate portfolio.