I can't speak directly in regards to the Memphis market but here in New Jersey, I actually do see a good number of them.

Clients are getting much better terms using their local credit union, and generally really appreciate being the good advice and direction.

Your guidance has been incredibly helpful, and I now have a valuable direction to further research.

I will follow-up with you directly.  

LeadSherpa is a good service i had a lot of experience with if you want to go that route.The two best strategies I’ve found are inbound methods: direct mail and Google Ads.Direct mail can be expensive, but it can also yield highly discounted properties.Google Ads, on the other hand, doesn’t require data extraction like calls, direct mail, or texting.

I see that you're in CO - STR investing in CO can be extremely profitable, which is why my personal investment portfolio is so heavily weighted in that direction.

Another path might be a short-term solution like a bridge loan to fund your next acquisitions while holding off on a full refinance until rates or terms improve.Given your goals to scale rapidly, keep an eye on maintaining cash flow while growing.

As for the 14.5% TAT/GET, if I use VRBO for my bookings they will collect that from the guest directly.

Some services provide numbers that have been involved in litigation, so those are the ones you should definitely remove from your lists.If your lists are hyper-focused, you might manage to get by with fewer removals from the DNC list.There are also non-DNC-related methods available, such as direct mail and digital marketing.

Russ has a lot of creative solutions and uses established case law to work in ways that some of the more "cut & dry" intermediaries do not.