There's nothing to learn from jstanley; he's a crackpot.
The subject of "appreciating" is "$1m in housing", or if you want to narrow it down as much as you can, the subject is the word "dollars". ("$1m in housing" is shorthand for "one million dollars in housing".)
I'm curious if you can tell me whether you think I'm a crackpot because of the things I've said in this thread, or because of things I've said more broadly?
I am definitely high risk for crackpottery, but not sure I'm quite there yet.
The things you've said in this thread. So far you've identified an extremely common phenomenon as "rare" and demonstrated that you are not able to accurately describe the structure of simple English sentences.
Which hasn't prevented you from expounding at length on your obviously false ideas.