I guess the only thing giving me hesitation is that it looks like housing prices are at all time highs even after adjusting for inflation:https://fred.stlouisfed.org/se...Housing affordability is worse today than it was at the bubble peak in 2006 if you believe Case Shiller data. 

In inflation adjusted dollars, this likely is closer to 15 years to recover the $450k.  

Rental property owners expecting high occupancy may need to adjust their timelines and rental projections.On the flip side, this delay also presents a unique opportunity for strategic investors.

Instead, try reaching out to regional insurance adjusters or property claims departments directly.

The S&P 500 has that inflation adjusted "average" of 8% annual return, compounded WHEN drip back all dividends, and IF it performs as it has previous 30 years. 

If they are adjusting the amount they can lend because the margins are too thin or telling you the deal metrics are not checking out it is likely due to the expected earnings not being sufficient. 

While it’s not uncommon for full-service managers, you might find lower rates (~10-15%) or alternative solutions like co-hosting services, especially if you handle bookings, rate adjustments, or guest communication yourself.

Make sure when the new hardware is installed adjustments are made if needed and repair any damage to door jamb. 

I also added language to make it clear that any temperature adjustments should be reasonable, so it’s not left open for tenants to make claims.

Get a bank statement to cross-reference their paychecks as most employers now direct deposit.You'll also see if they have a savings history or are living paycheck-to-paycheck.If they are not paying rent right now and have no savings, how well do you think they'll be able to adjust their budget, so they can pay rent on time?