Here are some reasons to get the ball rolling:Thriving Market: Florida's population continues to boom, fueled by warm weather, a strong job market, and a business-friendly climate.

That has informed us for this year's trip, and we'll be staying in Langosta/Tamarindo, Potrero/Flamingo, and Hermosa (Guanacaste not Jaco).Of course, there are tons of beautiful places in CR, and the better climate (read: less hot) is found at higher elevations. 

90% LTV on a HELOC or Refi is not realistic on an investment property with our current market climate.

Away from the coast, no hurricanes, fires, floods - we don't even have snowstorms anymore.People can deny climate change all they want or blame it on sun cycles, and frankly, it does not even matter, the reality is that insurance cost will force the issue.You can try to rebuild and you can put houses on stilts in flood areas, or fortify them against high winds and fires, but that makes it expensive.

Very, very successful.I sent out beige "invitation" envelopes and "hand written" letters (used a computer with a "hand written font" for months - about 200 a week - lots of calls - bought some properties, over all successful but time consumingThis is over the years, so messages changed with the real estate climate and list.List, message, mailing piece.

Is this market dynamic and climate now still beneficial for long term buy and hold investing? 

What are you doing differently this year based on the current market climate than in prior years?

My first impression is that your numbers in the current economic climate seem a little rosy.I also have friends that are builders and I try to stay in touch with them on costs as we mostly do "to the studs" renovations when we buy a place. 

Our biggest climate risks in central Texas are typically wind and hail, so anything of concern regarding the roof could get an applicant declined including trees too close to the roof surface, roof over 10 years old, etc.

Colder climates see fewer moves in the winter, and things really slow down around Thanksgiving and Christmas when people are busy with the holidays and family.Second, talk to your PM.