I don't know your specific market all that well but have you done some analysis on your ADR during the high season X your high season occupancy rate and determined whether taking lower priced slow season bookings vs letting your property stay vacant during the winter averages out in your favor?

Many investors underestimate how competitive the market can be, especially in areas like Texas, where demand for multifamly and single-family rentals has been high.

Even for a credit union that's pretty aggressive, and at a high level, seems like a great deal. 

@Kyle Neimeister highly recommend narrowing your request!

The high prices of that market are outside my reach, at least with the knowledge I have now.

I know Overland Park is prime area so the appreciation is high but there is little to no cashflow.

This is located in a tourist lake/ski town with extremely high demand for lodging.  

Then the tenant will rant a bunch of nonsense, have no evidence to back up his stories, and the judge will find in your favor based on the evidence provided by you.For future tenants, I highly recommend you read a book like mine or "Every Landlord's Legal Guide" by NOLO.

Here are some of my takeaways from your budget:Operating Costs: Your STR management fee of 20% is high.

I just got done with my required annual commission update for 2024 (I know I’m a slacker, I waited until the very end of the year lol) and the teacher of the class said that a high percentage of the number of agents who had their licenses revoked in 2024 were the result of being involved in subject to transactions that went sideways.