Don't expect rates to come down. 

I am unsure how to accurately predict rates and occupancy.

Ton's of people with golden shackles of sub 3% rates, epic net shortage, skilled labor shortage, on and on. 

Those who had luck getting work paid most of it to the company because of fees and others say it’s a scam. 

HML rates are currently around 11% plus a few points.

Hoping at some point the interest rates drop!!!!

Most lenders won't require an application fee and should be able to clearly lay out their financing costs, cash to close, and projected profitability for you.I hope this helps.

Where these numbers are found, there is a very high rate of rent actually being paid.We have over a dozen Fortune 500 companies just in Metro Detroit with huge Healthcare, Auto, and mortgage industry National footprints.

Especially in a high interest rate environment where cash flows on long term rentals are muted and there is significant capital required to purchase and list on airbnb.I live near NYC but would invest out of state in an airbnb / landlord friendly state.

With today's high interest rates, it usually doesn't make sense.