I am also experience and feel this way, one of the common obstacles that most people feel is that they also have difficulty buying because they have to make adjustments for their daily needs. Those who dare to take risks by borrowing time, they are winners, for those who don't, they are just spectators. So, now we will also be spectators when prices rise at the beginning of the year. if this the same as 3 years ago.
Yes exactly adjustment for daily needs is also very necessary as investment is not only thing which we have to think about. I don't think that those who are taking loan for investment are winners because it is not an easy task but it requires lots of learning and expertise.
Now the price is 30k$ and everyone knows that it will be more up than this next year but some will be unable to make investment because everyone cannot afford to buy it other thing is that they have to keep the expenses in mind as managing of house holding activities is also one of the most important thing.
One who have the responsibility to manage their home should not take loan for investment because its one of the most hazardous field of getting profit.