There are 6 tests called the WhiteCo factors (named after a tax court case on the subject) designed to figure out the permanence of individual assets to see if they qualify for short life treatment.

Before, "acts of God or Mother Nature" weren't supposed to count against the policy...

Carrollton seems to have more due to the rolling hills nature of many neighborhoods in combination with bad dirt. 

I called an exterminator for a treatment.

If you do a  search of this forum you will find that financing properties in CR is an issue, though the nature there and lifestyle is very attractive

https://www.biggerpockets.com/forums/530/topics/1056436-clearing-up-confusion-on-tax-treatment-of-short-term-rentals

It's crucial to clearly communicate to tenants the nature of your relationship and their responsibilities.

But to touch on the earlier point, physical asset investing under the nature of debt, efficiencies of scale, tax benefits/drawbacks, and the power of delegation before you dip your toes in.

Stress, theft, bad tenants, repairs, acts of nature, and people who dont know how to take care of a house happen.  

Thanks, What is the nature of your loan scenario?