Either there will be a crash or some massive inflation soon. 

Now a complete financial crash would be different if thats what you're talking about...

Every time there is an economic crash, people say that investors who are overleveraging get hit the hardest, but what do they mean specifically?

Lowering the standard means increasing sub prime mortgages, which is what lead to the housing crash.

Prior to the housing crash you could get seller credits held in escrow to do work.

More than likely, even with another huge 30%+ market crash (that aint happening) the prices would still be WELL out of the reach of the work force that needs them. 

Note this is not to imply I am predicting a crash more that I am expecting appreciation to more closely be associated with the inflation rate.  

As what I'm seeing here in Alberta, Lethbridge economy depend on agriculture than oil so it doesn't go crazy with oil market crash.

My thought is did the power company put that pole in before the cut, or after.If it was after, perhaps the pole goes extra deep, down through the hilly area and below the ground level of the driveway.If it was before the cut, will a retaining wall be enough to hold back the leverage of a big storm, or will you have a downed pole and a bunch of scattered blocks.Leverage is a powerful thing.Cost to move the pole might be less than a wall, but you still have a septic tank in that hillside.If that starts to wash out, it will be unpleasant, but maybe you could move it somewhere else if that happens.Just my 2 cents. 

A lof of out-of-state investors that try to self-manage crash and burn.