Still stay active in BP though because there is a lot of wisdom in this group. 

How often do you use it personally or let friends/relatives stay? 

If it's tight or you're uncomfortable with the tenant you have in there from a confidence perspective, especially if this is a first deal, maybe meet in the middle and get a lender at 75% or 77% (doesn't HAVE to be at 5% increments) that wont make you season, and leave a bit more money in the deal, but sleep better.Overall, if I cash flow well, have/keep reserves, and am comfortable I fixed everything in the house, I like to max out the LTV on refi.

As things get more difficult more and more and just staying higher end. 

Although I am outside of my comfort zone and feel like an absolute tool (I'm lost and that's uncomfortable), my faith, drive, and want to achieve my family and life goals continues to motivate me to get outside of my comfort zone and push for continuous improvement.  

For me personally I will stay out of the city limits for STRs.

Looking for advice on good areas and areas to stay away from. 

A big part of succeeding in this game is simply staying in the game.Make sure to take the lessons from this experience so it’s not in vain:•Always keep reserves.

Also, check out his podcast...one of the few I have continued to listen to over the years and stays current with good content.

If you are planning to stay in the Investing field, you need good real estate agents to help you in several ways.