I was studying the market and my rent will be just enough to cover the mortgage and HOA fee now I might to pay out of pocket for insurance but don't want to sell it yet because the area is growing and might have good appreciation in the years that follow.

Hi @Drew Sygit, thanks for your response.You shared some good insight, particularly about the classes of tenants that would push back against the strategy I proposed originally.

Prioritize deals that offer steady long-term returns over ones that seem too good to be true.DSCR Loans for Growth:Debt Service Coverage Ratio (DSCR) loans can be a game-changer for investors who want to scale.

Here’s how they approached it:1.Scraping Listings: They used web scraping tools like Beautiful Soup and GPT APIs to scan Airbnb for properties in their target areas.2.Image Analysis: They trained an AI model to analyse listing photos, identifying homes with solid potential (good structure, layout, location) that were undervalued due to low-quality photos.

Good luck on your journey and keep it up!

I would rather invest in safe markets that produce a good return, then I can use that income to pay for a vacation anywhere in the world.I'm very pessimistic about the STR market in Hawaii.

Good luck out there and I hope to see you soon!

In the end, it may be the same amount of money or more, but it will just have to be structured differently as you navigate the shifting market.Northwest Valley would be a good option. 

Most lending is based on cashflow, not the 2% rule (although still a good rule of thumb for some types of investments), might have the most help from the group if you provided some of those details here just so it'd be easier for us to help you best. 

network network network. anywhere there is one in your area go and meet someone and follow up is key after that. there are many good apps to find local RE events