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

At annual rent increases, I do scour Zillow for market rents in the area, which I share with my tenants.

That way they keep their licenses and ratings.I don't see much of a difference really.Don't keep them out as they will get increasingly suspicious and they might pull your permit for non-compliance.

Some strategies to get around are:1. leverage your current portfolio and buy in cash, increase value, and then refi2. buy Multi-family so your ratios aren't the main factor to lenders3. get in with a lender for high net worth individuals4.

These increases will likely slow to pace more in line with inflation.

Also the school districts have been increasing property taxes in A LOT of investment properties thus eating some of our profits. 

You may get one more year from them with a $75 increase but that's about all.

Whether or not you believe there will be drastic changes, we are already seeing increasing weather events with unusual patterns like the hurricane that whipped through Central (Inland) Florida in 2024.

And over time, as those assets to make our product we sell had a fixed price, the dollar does not sit fixed, our cost of product increases meaning increased cash-flow.

The state laws (do not quote me) appear to not let these companies increase rates (or its not easy) to pick up the losses.