In addition, building into  the business model an intentional refinance in a short period of time, you are incurring double the financing costs, which eats away at your equity, and also resets your loan amount to potentially a higher amount if you are rolling in closing costs.

You have to come up with your own model of the future.

Maybe in short-term rentals, under the right business model. 

@Douglas Skipworth yes, I track my net worth.However, far more important to me are my financial projection models (which include projections about my net worth).

It's family and I do much of the engineering/cost modeling work for the existing operation.

Is it a good business model?

also what's interesting is that some of these LLM-AI model can use a forum to give answer, perplexity is using Rediit for example, not long time ago someone is asking me to use my answer for their AI tools lol.

I do agree with Evolve's model on one point though -- that the PM does not have to be physically stationed in the local market.

We also work internally to manually check the numbers we get from the model. 

Sounds like you have a model that is working for you, even in a tough year.