Seems to me BP is justs following the same play book as Zillow RE leads..

---However, once you convert a space, like a basement, into a separate livable unit with its own entrance, that’s when ADU regulations come into play.

If saving more helps you put more down on the rental AND you want to buy quickly, consider that route.If you are slow playing your next purchase, maybe you go a different route.Personally, I do not mind being more liquid and collecting interest or investing in the market vs paying debt down, but that is me...

STR market is dieing unless you can play in the 750-1.4M$ price point then there is opportunity, most are going MTR or LTR, we manage a vast amount of properties and see clients switching from furnished to long term unfurnished, lots of data around this...

In that case there's definitely more than just numbers that come into play.

I generally tell clients to expense anything under $2,500 unless there are other factors at play that may change that decision. 

Waiting for rate drops is not my idea of playing the game in a smart manner. 

Long term fundamentals are great, but personally I'd wait for a few years and see how this multifamily glut plays out before doing anything.

If you don't fall under that category you are really playing with fire. 

They aren't secrets or anything... and while they are a bit 'fringy'... they are perfectly legal as I understand it... just manipulating the credit scoring system by playing by their own rules.Hope it helps!