RE: What's the worst that could happen?
There will always be a housing crisis, the markets will either be dried up, or over stocked, and only in equilibrium for a short time. Look at those homes that need renovating, updating, if they are safe to live in as-is and are not excessively costly utility price wise, then I would be buying.
Why? I've tried to keep up with the thought process you have been running through. I do not know if you or your wife were raised exclusively in homes/apartments with out you own back yard or own small piece of land, is there a safe place a fenced yard your daughter can go play, to be herself, to dig in the dirt, to make mud pies, to twirl around and around just having unadulterated childhood fun.
It is hard to get out of our own comfort zone, but when you start to think of others and their comfort zone, their needs, then sometimes it is a bit easier to deal with. For myself I can not imagine what it is like to grow up on concrete and asphalt, I have always had open fields close by, a fenced yard in most cases, and room to grow in mother nature, not just go and visit her at the local park with a bunch of possible virus contaminated people, or other people that mean to do harm to others.
Lots and lots of reasons to have your own home for your family.
This is what we are very likely going to do, reno loan or not.
I have lived in houses, apartments, townhouses, shared houses... never in a car long-term yet :D I am a country kid though, so I am not exactly useless with my hands and am pretty good at winging it.
the place we are looking at is great for our daughter and with the friends with kids so close, there is a good opportunity to get some space for my wife and I too. It is important, and something we struggle with where we are.
As said, I am pretty fearless on this one :)
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