Banking on appreciation is gambling

A lot of this has to do with the fraudulent appraisals that were going on prior to the 2008 crisis.

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.

They told me it would look fraudulent and more than likely be rejected by their underwriting department. 

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.