Hope everyone is staying safe and healthy. 

While most young and healthy people do survive the virus, you don’t want to find yourself in hospital during the peak of the spread.

i support having C/D class paid for  assuming thats what you run in Milwaukee.. as for letting us old folks kack off cant get behind that one  :)  you know 65 is the new 45. 65 is absolutely the new 45 and you'll be just fine - I suggest a healthy diet!

What I’m worried about is if we will see some kind of multiplier effect here amongst the healthy sub 50 set.

The downside is that appreciation is less consistent and you could buy at a bad time, and may actually lose money if the market slides.This is why I would stay away from both extremes and aim for something that has a healthy cashflow (enough to at least break even with, after all expenses), and a good potential for future appreciation.

Medical or mental health is acceptable.

Instead of picturing yourself being amused poring over my application you should picture yourself getting suckered by a person who has lost their main source of income but who still has a high credit score because they have managed to continue servicing their debt.

People's mental health is going to start suffering.

WHY would you have to have rates at or near zero in a healthy economy??

Cash flow is a little tight in Phoenix, but the appreciation is very healthy.