Of course, the Federal Reserve's QT also impacts the supply side and can cause price changes that are not one-for-one with changes to base rates like the fed funds rate.I find it so interesting that you can have spread widening at times when rates are going down.

Make sure you know the impact that adding an ADU will have on any rent control.  

The more leveraged secured debt you have will impact any cash flow.As mentioned by Nicholas, the BRRRR method could help payoff the HELOC too. 

It gives hosts another opportunity to stand out by offering personalized or local experiences alongside their stays, which might justify higher nightly rates or longer stays.On the other hand, if Airbnb puts too much emphasis on Experiences and doesn’t prioritize fixing issues like host support, pricing transparency, or booking protections, it could feel like they’re diverting attention from the things that truly impact hosts' day-to-day.

For example, Florida checks all the boxes except insurance costs, which is why we advise our clients to shy away from Florida as it significantly impacts cashflow.   

You could probably afford $20,000 without much impact on your budget.

As a BP employee (and a community member) I'm eager to learn more about the advertising you're seeing, and how it's impacting your experience on the site/in our content.

It's what we call an IMPACTION. 

I would just make sure to reach out to some local lenders shortly after so all the hard pulls get grouped together and don't impact your credit score as much. 

The shorter the prepayment term has an impact on increasing the rate.4.