And some markets are going to be a lot more popular for the average BP member ( which to me is heavily slanted to starting out) At least from the post we see.  

Sounds like the velocity banking stuff that was popular for a while.

I would check with Dennis Kahn at Homestead Mortgage or another popular mortgage broker here, Zach Starnes or there are several other lenders that can re-fi off appraised value much sooner than 1 yr.

Even the main city of Malaga, who was considered a backwater city just 10 years ago has become very popular and is now turning itself in a little Silicon Valley and banking center.

Fire pit with string lights is very popular.

The human race has historically been poor at predicting future, so it's wise to prepare for multiple scenarios.Mortgage rates in 2025 may decrease slightly if inflation stabilizes and the Federal Reserve eases rates, though they are unlikely to return to pre-pandemic lows.

Within the first month I believe the company byte federal has a data breach.

Show them the history of 30 year fixed mortgage rate & explain that the only reason rates got as low as they did is because the Federal Reserve started Quantitative Easing during the during the recession and then again during COVID.Here's the graph showing the impact of Quantitative Easing (QE) on interest rates.

I was on island earlier in the month for an eviction trial and stayed at the Waikiki Banyan for a few nights - that seems to be a popular STR building.

That is why BRRRR (Buy Rehab Rent Refinance Repeat) is so popular.