Every bank is looking for something different and it changes over time.However, we are not in a BRRRR market anymore, you'd be sailing upwind. 

They have "minimum" credit scores to qualify for a loan, but the higher the score doesn't change the interest rate.

You need to always be changing with the market, testing and poking to see what marketing works better and what does not work at all. 

Property appreciation outlook not too exciting (could change), the other side of the river is a different story. 

Of course markets change and the chances of a profitable flip have changed as well.

This change has helped generate more bookings, but it comes with a trade-off: guests booking single nights on Fridays or Saturdays might prevent full weekend bookings.Lowered PricesWe’re utilizing PriceLabs for dynamic pricing and have reduced our rates to stay competitive during the off-season.Listed on Furnished FinderWe created a Furnished Finder account to target mid-term stays, which I hoped would solve our slow-season problem.

Nothing has changed or will change soon economically, so I have no idea how they are going to pay anyone back.

That being said, if I could do it all over again I wouldn't change anything because I learned more about real estate investing and property management over the past several years from that deal alone than most people will learn in a lifetime.

i bet i know the answer but are you changing your own personal strategy based on any of this?

I reviewed the original and adjusted tax docs and it seems the only change I can find is on the NJ 8960 -Line 5A shows a lower value by about 4K on the revised copy so there is definitely a change but that is the only place I see any difference.