You cannot eat appreciation, nor should you ever "expect it", but watch the banks, see if they start doing stupid loans and the folks in DC loosen up the types of mortgages allowed.

Remember, it is easier to start out tough, and then loosen up for good tenants IF YOU CHOOSE, then start out loose and have to toughen up after you have trained your tenants to be lax.  

Hi Kyle,I am not aware of any meetups that exist post pandemic but I am a local investor/realtor in Missoula and am looking to join the same type of group....may just have to start one up once things loosen up a bit.

There is also the Private flood insurance that you can look at too. the Government flood program is up for review in December and there are significant changes that will be coming that think will help those who are required to purchase flood insurance as the 50-year monopoly that the NFIP program has is loosened more. 

For the student loan, it may loosen your financial burden, and allow you greater opportunities for different property types or conditions. 

-Lending standards could loosen again, or something else could make homeownership much more appealing, or easier to do.

After speaking with some lenders, most commercial loosens are max of 60% LTV, because they must be non-recourse loans.

She may not know how a toilet actually works and to jiggle the handle to loosen the chain (or whatever jiggling does).

However, it turned out to behave a little differently than copper did when connected to terminal screws, with the effect that the connection would loosen over time, and then start to overheat. 

Even then if the market loosens and goes to "normal" appreciation of 3% buying is still a great idea.