@Steven Wilson We didn't put 20% down for our first home, at the time my fiance(now wife) was on furlough, now she has a full-time job so our income has changed dramatically.

This causes the rents and market value to increase dramatically. 

Given the dramatic increase in rent rates for the last 15 years and the dramatic increase in appreciation these last two years, it's foolish to think that trend will continue in the near future without a correction first.3.

I am sure I am not saying anything novel, but I havent seen a forum where this topic is specifically discussed.Is anyone else spooked about buying houses that have so dramatically increased in cost in such a short time?

This also crossed my mind, but I was hoping the amount to be large enough to create some dramatic change.

I wouldn't let the dramatization of "adverse economic impact" between ferociously competitive SEC schools lead my investment decision making.

Even if the difference between your first living situation and your next one is not this dramatic, you may still have a hard time qualifying for that next loan even if you otherwise check all the other qualification boxes.  

Needless to say, this will vary dramatically by community and home size. 

Some times dramatization is needed to bring a point home.

Their rates have fallen dramatically over the last few months since they sold off to some overseas company and moved all customer service overseas.