I don't think the windfall is as big as you say, or why would you care about large downpayments on income-producing assets that would appreciate over time?

We believe in procuring revenue producing real estate.  

You need to look at return on equity, how much cash flow can be generated putting your equity to work vs the cash flow this property will produce.

So far this has produced great results for me.

The City of Montgomery is the Capital of Alabama with a robust economic environment that has produced multiple awards of excellence at the Chamber of Commerce level.

BP Real Estate Podcast producer here.

I can build a 1,000 sq ft cabin including land  and holding costs for about 350k or so and the cabin will appraise out for about 500k to 525k and will produce gross rents in year 2 between 50k to 60k.

Value add ( do you want to do reno/raise rents), or stabilized (income producing, lower maintenance). 

As someone who deals and talks to real Private Lenders (small shops run by a guy who lends his own capital and doesn't use big box), they have a hard and fast business model that produces the rate of return they need to remain profitable and curb the risk on their cash.So the best product for a budding fix and flip investor is the bridge loan which includes acquisition money and construction money. 

If an asset is throwing off a certain yield that is not commiserate with it's risk, then investors will then begin paying more for that asset, thus decreasing it's yield....or start paying less for the asset which would increase it's yield, until it was at the proper risk/return rate to produce the yield that is truly reflective of it's risk.The problem is novice real estate investors get the risk/reward correlation backwards.