At the current stage of development, loot only spawns after a server restart. Thats why most servers have a 4-hour-restart routine or something similar. However, getting loot, even military, isn't that hard. Just get away from the coast and you will find plenty of loot in the central towns, cities or factory sites - even weapons like mosin, magnum etc. can be found there. Additionally, loot is kind of bound to the location where it can be found. You wont find an M4 in an ordinary house.