All that being said I don't know about if a salt hot tub is better per se, I know it's better for your skin and I'd say perhaps if you're in a very health conscious area like Joshua Tree, some folks might be attracted to the idea of a salt water hot tub.

We ran into the same issue when we made our Costa Rica investments and didn't really find a good solution for a local mortgage there. 

Our biggest climate risks in central Texas are typically wind and hail, so anything of concern regarding the roof could get an applicant declined including trees too close to the roof surface, roof over 10 years old, etc.

So it really just comes down to figuring out what solution works for a given market, but it's yet another great thing about real estate: having options!

I didn't even think about chatgpt for searching for even easier solutions!

One solution could be a Debt Service Coverage Ratio (DSCR) loan.

They still owe the back rent as evidenced by the fact that your resident gave you a credit card authorization.If CFPB doesn't have a solution, then you have to decide if going to small claims court is worth it.

Give me the horse and buggy vs a self driving car with immature software and sensors any day.My point is you should use as much technology as you can to make your life easier without going beyond its limits, and in the meantime always be on the lookout for new solutions that solve problems without creating new ones.

We are in a similar boat, however I have not yet found a solution for less than $5K even for above the ground.

Quote from @Pavan Kumar: Quote from @Kyle Mccaw: @Pavan KumarWinter is indeed tougher for rentals, but taking your listing down isn’t the solution.