But this can overvalue the home and block the conventional loan; seller assists of this kind need to conform to seller concession or contribution guidelines set by lenders; the down payment assistance industry is facing legal challenges by the US Department of Housing and Urban Development (HUD); the industry expects fine tuning of these programs will result.

For the past few years, millennials with high incomes have been moving into the city and urban centers, not away! 

As for my background, I have a Bachelors degree in Urban Planning and I also have my Masters in Architecture.

With all that's going on in society right now, be extra careful to screen screen screen your rental applicants, and do so beyond the standard credit/background checks, especially since here in Chicago eviction courts are shutdown.

They're in urban areas or vacation areas with plenty of tourist getting onto planes and then packing next to each other in the city or beach. 

As a society, however, most of us are complying with most of the government mandates.

Both times we have seen massive devaluation on the stock market, unemplyment and a general feel of depression in the society, but real estate values improved significantly during these periods!

However, states can sometimes have differing rules on how to define FMV according to the situation, for example if an appraisal is being carried out for the purposes of determining FMV on an estate sale or a divorce sale then the state has to follow statute or precedent specific law for that state - however in a straightforward residential sale it normally is 6 months, If you wish to challenge the appraisal I would suggest you contact the ISA - International Society of Appraisers - https://www.isa-appraisers.org/aboutThey will be able to help you.Hope this helps.

Don't pull a comp from 2 years ago and a mile way (in an urban area) and say it is a comp. 

There is probably a state chapter of American Society of Home Inspectors (ASHI).