But airbnb is my go-to, works great for my hybrid model.

Our models are similar and I agree, sometimes people don't put in the effort.

I think a return on invested equity analysis outlining a few scenarios with my models would answer your questions. 

It seems the company model has changed a little. 

For BRRRR investors: Are you rethinking cash-out refi strategies or exploring alternative rent models to make deals work?

Credit Karma uses a Vantage scoring model (which we do not use in the mortgage industry), but the trend will be the same as mortgage scores. 

By combining our in-house teams with a focus on diversification and luxury properties, we’ve created a model that works in any market.

I think you can model a decent double digit return but how do you transition to actually pulling money out? 

I’m not suggesting a person change their business model entirely, but usually a person either deletes something or adds something in order for a different outcome or at least a more modified outcome.What’s your thoughts?

I think you'll see the model continue to evolve in the future, with more "next gen" firms popping up.