Vacationers are starting to go back to hotels as Airbnb fees have increased and they don't want to deal with cleaning dishes on top of paying cleaning fees.We stayed in a nice vacation rental on the Oregon Coast and there was evidence that kids or homeless were hanging about when it was vacant.  

For new investors, starting with a turnkey cash-flow rental is a solid choice. 

Having a solid team around you like agent, lender etc.

No evidence of wrong doing but the landlord is currently in court processes for medical bills , ptsd , and a list of of things . 

Once you've established a solid team of property managers, contractors and lenders, you'll be well-prepared to take on more complex strategies like BRRRR.

It’s a solid way to keep revenue steady while staying within the rules!

There are tons of threads on BP where some newbie investor came after HoltonWise and I go in there and explain my case using facts, data and evidence.

But I’m still looking for answers to my questions with supporting evidence IF it’s a criminal offense (likely mortgage fraud) but also could there be further investigation of this bank by the FEDs or? 

And if you’re looking into rentals, Coloma is a solid choice for both short-term and mid-term rentals (think 3-6 month leases).

If you're getting back into the lending game for long-term hold investors, a realistic “ideal” loan might look like this:Rates: Somewhere around 6-8% interest, depending on the risk profile of the borrower and the property.LTV: 70-80% LTV is solid, especially if you're aiming for lower risk.Term: 5-10 years works for LTR investors who want stability.Fees: Reasonable origination fee (1-2%) is expected, but avoid nickel-and-diming borrowers with hidden fees.Prepayment: A soft prepayment penalty could be fair if paid off in the first couple of years, but after that, no penalties.Speed: Being able to close quickly (within a couple of weeks) would be a huge plus.In short, give investors a competitive rate, decent terms, and flexibility on prepayment, and you’re golden.