For Ex: if you went with 3.5% down, and qualified for 2 fam for 350k (still harder to find by the way) you may only need to save a few more bucks to get into a property

Another factor to consider is currency value.

Currency fluctuations. 

I argued that government-mandated land redistribution, transfer to the US Dollar instead of local currency for exchanges of goods and services, and economic re-liberalization (I added an extra "re" in the essay for some reason) didn't cut it to explain what happened.

What matters is the fiscal discipline to manage your currency properly.

The cash price being for ex. 100k. 

Here's Why:The dollar is up this year vs. major currencies at the same time the Fed is tightening.The Fed, while having raised rates marginally, is just now taking things back into positive REAL interest rate territory.We all know how tight deals are now, valuations can't support much higher interest rates.Unemployment is extremely low.

It always give me the heebie jeebies when it suddenly becomes extremely popular to do something like buy crypto-currencies or flip houses.

One of the more regular is targeted for ex-military but everyone is welcome. 

A contract can be useless (sometimes it is in the US too :) ).Currency exchanges, inflation concerns, especially in emerging/developing nations.