Short term (12 months), low loan to value with borrowers who have strong credit and significant assets.

As another poster mentioned rates are lower than they've been in the previous 18+ months but unless some very surprising economic data comes out between now and when you did your refi it seems unlikely that rates are going up in the short term and there is at least a decent chance that rates drop a little more before then. 

Offering a rent-free period helps the seller stabilize, but what happens if they still can't afford rent when the time comes?

We were there looking for another property that we could buy together on the beach that we could rent out as a short-term vacation rental.We we're living it up and having a fantastic time zip lining, eating delicious food, and seeing the monkeys in the wild.it seems like from the moment I returned from that trip in August 2022 the real estate market completely changed.

Nobody works for FREE. 

just double checked my lender is now 80% LTV for short term rentals only 85% for long term rentals

The Lake Tahoe market has many intricacies regarding short-term rentals, but navigating them is definitely possible.

If you have any accounting questions, feel free to reach out!

Akron ohio isn't the best city in america for short term rentals that's crazy. it's not in the top 50 and i'ts a very struggling ohio market. it's not even top 5 in ohio. 

I’d highly recommend speaking with a CPA who understands both states’ tax laws to optimize your structure.If you need any local insights on property management or investment strategies in Oregon, feel free to reach out.