It lasts long enough we see it begin to impact people’s ability to pay mortgages, inventory could increase, prices could drop. 

This post and your feedback has forced me to think about what my goal is, and I think ultimately what I am looking to do is have liquid cash ready, so that if the right opportunity does come along in this volatile market, I will have the ability to jump on it.

Don't look at which market is higher, but which market has the consistent ability to make you money.

What would be the implications of me being on a second mortgage and my ability to qualify for other mortgage loans for buying out of state property? 

Each and every problem discussed in this thread, save for the complaints of poor customer service from individual appraisers at the personal level, stem from this dynamic, where mortgage appraisals are but one piece of a larger formula we all know and love as the ability to obtain funds using credit or OPM (other peoples money, as is commonly phrased by many investors here on BP).USPAP was taken over by the Appraisal Standards Board or ASB since the 1980's, under the oversight of the Appraisal Subcommittee, the entity granted the power of over-sight by the United States Congress.

I told her I’ll work with her to the best of my ability but my husband and I have a mortgage to pay too.

Don't rely just on photos, which rarely capture a sense of "space" versus a video (even a basic one) that walks someone through a space.If you must rely on photos, hire a professional photographer to capture them for you that has the ability to order the photos in a sequence that replicates an actual physical walkthrough.

These borrowers will have the ability to request a forbearance on their payments for up to 6 months, with a possible extension for another six months without fees, penalties, or extra interest.

I have had to make some rental concessions and obviously my ability to acquire additional cash flowing properties has been hampered. 

Similar to a hotel throttling internet usage, does anyone know a device or data carrier that offers a mifi/hotspot with the ability to throttle data by the day?