Yes that is my concern however isn't owning and having a bike some type of luxury and not something that is an actual need that needs to be accommodated?

Point is, you may be looking for a starter home builder and getting recommendations for luxury level home builders. 

For example, when I first started out, I sat down with a luxury real estate developer and told him I was thinking about buying apartments.

Timeliness and communication is critical when dealing with luxury markets and acquisitions, super jumbo focused lenders will often have dedicated processors and underwriters familiar with luxury real estate transactions. 

I have one that's FANTASTIC for higher end properties (@Dave Stokley), and now I need one for nice properties that don't fall into the luxury category.

Not sure if higher purchase prices/rates have created this boom or if it's that all the new supply of rentals in Chicago is aimed at top end luxury *$3000 1br type builds etc. but rents have shot up on the north side.

But even though they are paying their way, they still live a very luxurious life compared to what I had.

IMHO I think the draw to the Poconos is it's proximity to two monster metropolitan markets and their middle and professional class who may prefer in many cases to tone it down from places like Miami, Hawaii, Vail, or Stowe, and instead have the luxury of a 1.5-2 hour car trip to somewhere where they will save on airfare, get a good deal on their accommodations, and still have loads of fun with their families without having to deal with exorbitant vacation costs and aggravating travel arrangements. 

I see articles and posts saying people with the "black card" from amex buy mansions and jets and other things with them.

It is a luxury log cabin right on the Roaring Fork River.