But I see your point about lenders being cautious.

There is a fine line between testing the limits and analyzing yourself out of a good deal, so something to be cautious of as well.

In reality though I can't tell you how many people I have seen come on here itching to grow to the sky and then 6 months later they are gone because they got their wish and probably should have been a little more cautious.

I see lots of horror stories in these investing groups but I’m going to continue to float around with an aire of cautious optimism 😅

Most newbies aren't in that category and should be more cautious of such a first entry into the market.  

Am I being unreasonably cautious? 

Otherwise be cautious taking that money out just to make some investment, overleveraging can kill you before you even start. 

In Charlotte, NC and in Charleston, SC, we have such an extreme lack of inventory, especially at the lower end of affordability- seller's aren't giving up their 2.99% interest rate to downsize and pay more for a home with a higher rate, so they are staying on the sidelines. and Builders cannot ramp up fast enough, and are being very cautious due to interest rates, coupled with inflation, where their goods and services also cost more to build homes- and, after 2008-2010, where many got burned, and badly, they are super cautious.

But, looking back, I've learned to be extremely cautious about such opportunities.

I truly understand where you are coming from, but I would be very cautious about making a unilateral determination about what is considered a reasonable accommodation for a disability, and what is considered "some type of luxury and not something that is an actual need that needs to be accommodated".Frankly, this is not your call to make.