Diversifying into different markets, like Omaha or Austin, can help reduce any lender concerns and also spread your risk.Have you thought about the specfic market for your STR or MTR?

That’s solid advice—I can see how showing up in person makes all the difference.

Are loan docs attorney prepared or prepared in house...big difference on costs there.

Different lenders can serve different purposes. 

Be interesting to see the inner workings of the deal and how it was underwritten.The big question in life, not to be or not to be, not nature vs nurture, no, what is the difference between a HML and a PML? 

If you are talking about NYC investing, that's a different setup, not as streamlined as Westchester.

1- thank you for the congrats.2-  For them or anyone older such as yourself, At the end of the day a “Perspective” is simply just a perspective, everyone will always have a different view.

You might find that installing a mini-split system, properly insulating, and ensuring the finishes match the main home’s quality will make a difference in how the appraiser views it.

They are good for comparison of different assets and limited in telling you when, where, or how to invest.

Each state and county has a different way of finding out, but it should be public info in each county.