People have different ways to make things work. 

@Joseph DaviniI agreeBut I wonder where all the “housing shortage” folks and “interest rates coming down prices will double” people are?

Welcome to BP Deshay, These forums are a great place to learn and meet people, whether you're just starting out or you're a seasoned investor.

I personally hear from tons of people who think the market will come down, due to the struggling middle class and the fact that it will get worse.

Thanks Chris,Indeed, we have a decent group of 1100+ people (https://groups.google.com/g/scalable-property-investing).

There shouldn't be a shortage of people who have money and need a place to live. 

Hello people, I have been to smoky mountain area about 4 times now.

Even when you exclude the ones who are simply renting out their own spaces - second homes, pre-existing ADUs, spare bedrooms, or their RVs, the number of people that started with less than we have is likely still significant.

Complex setups don't offer much protection for most people. 

Different people find that money different ways.