Immigration plays a big role in this, so it would be hard to predict unless you know what happens with population growth.I think it's still a basic human need, and one that the government can not provide at a reasonable cost.

A valid government-issued ID is what I require.

Federal debt and fear of hyper inflation has homeowners in a gridlock.

In general, if there's nothing in zoning or the deed restrictions prohibiting the division of the property, it's mostly just getting it resurveyed and presenting the new subdivisions to the local government (county usually) to have each lot recorded as separate parcels.

Federal along with state chartered credit  unions that are not permitted to charge prepayment penalties are also competitive right now on rate and more and more are building out construction platforms, although very conservative on construction originations.  

However, some investors see potential in these markets because of low entry costs, steady military demand for housing, and decent cash flow from rentals, especially if the area has stable, government-backed tenants like service members.

Are you thinking government spending is going to actually get cut and inflation was just a flash in the pan? 

Only thing that popped up for me and it might not ever again is that when Trump shut down the government a while ago it included HUD and I was getting nervous that payments would be delayed. 

However, government officials, pandering to populist sentiment, hold landlords to standards and responsibilities far more restrictive than any other business.  

We generally advise our clients to go ahead and pay the recapture rates if death is the alternative.The good news about recapture - the deductions are a deferred tax liability to you, and an interest free loan from the government.