My fear is that the Tiny Home movement might be more of a fad and reflective of our economy.  

That 5 years is coming up soon and Panamanian banks are struggling to provide a mortgage on the property due to the state of the economy (less inflation than the US, but also it's just not the US, so it's different).

Long terming it, especially in this economy, isn't wise  

So, I don't think anything will be appreciating in the next 5 years (my personal view of the economy). 

That seems a little tight in today's economy to me but that's the maximum you can require.

Research local economies, population trends, job growth, and infrastructure developments to identify promising markets.

Hey Ferrode, Cleveland offers affordable entry point, higher potential cash flow due to lower purchase prices and decent rental income while Columbus offers a stronger job market and population growth potentially leading to higher appreciation over time.

Nor are there enough of them to bring down the economy like subprime in 2008.  

That 2.5% could no longer be a negotiation token that you used to have to make your offer stronger or put it in your pocket as a credit.I can argue that the pre-settlement was incentivized buyers to self represent because the industry had commissions available to the buy side. 

Generally when the market turns, the weaker aares will drop much faster and farther than the stronger areas.