So that's more like 7-12 yrs.Just trying to understand your numbers so I can also use it to adjust mine accordingly. 

Many are entering the market with high hopes, only to find themselves in a crowded space, leading to a race to the bottom on pricing.This pattern of homeowners turning to Airbnb, thinking it'll be an easy win only to find the need for constant price adjustments, is reshaping the market.

I was a victim of identity theft13.

It might be beneficial to review your investing criteria and make adjustments in light of the state of the market.

One was even using the stolen identity of a well known NYC veterinarian for some idiot reason. 

How far in the negatives are you and what kind of adjustments are you using in your calculations?

It seems impossible to not let them know your identity. 

You need to have in your process to adjust the rent every year.

Now in 2021 I got 225 a night with a $150 cleaning fee and was 98% occupied may-aug and never adjusted prices due to not knowing about demand as well as pricing tools.Last summer I didn't see as great of prices just because of how crazy 2021 was but was still full.

From a risk adjusted yield without appreciation being considered, the debt by far the strongest investment.