Yes, the credit utilization ratio does impact your scores (see below) but, if you're out of debt & not using your credit cards, you may not see a hit to your scores.Amounts Owed (30%): Represents your credit utilization or how much debt you owe compared to your credit limits.

Below I will list some steps you can take…You need to put together a good list of comparable properties.

Compare this to selling the Market A property in year 3 which has appreciated 5% a year and is now worth $550,000.00.

It just makes life easier - they shop a variety of insurers and are more easily able to compare apples to apples because they know how the various companies present coverages.

There will always be demand in the market (it's not like some covid markets that could disappear as vacation destinations almost entirely over the next decade), and the regulation risk is as near to zero as you can get in this industry so long as you buy in the approved tourist zones (again, compared to some smaller/less mature markets where they could outlaw STRs tomorrow).For short period cash flow there are better options. 

Electric heating compared to gas heating is much more expensive, so if the tenant is going to use it, definitely have them pay for it.

I hope the comparative market analysis I just sent over view email helps.

While Reonomy is not comparable as it's for commercial properties, Propstream is. 

But there are also some real challenges, like dealing with lower tenant quality on average, the extra red tape, annual inspections, and the longer time it takes to get tenants placed compared to the open market.

Compare that to a business/company.