Quote from @Michael K Gallagher: we've generally seen a more balanced market here in central OH. 

A shorter minimum stay and dynamic pricing are great for attracting bookings during slower periods, though the trade-off with single-night weekend stays is definitely a balancing act.

Sure you could do a money market or put it in an ETF or something, but this is one of the options where the balance "can't" go down or is extremely low risk while making a decent yield.

Quote from @Adam Bartomeo: A tenant that pays their balance after they move out is almost like spotting a unicorn, bigfoot, or finding a pot of gold at the end of a rainbow.

I guess my challenge right now is to define the strategy and balance all the factors, such as job and population growth (value increase), cashflow (demand & supply market, interest rate, property tax, maintenance cost), and risk control (insurance etc). 

Locking in a lower interest term loan will also force you to get the principal down as opposed to just making minimum card payments every month that allow the balance to keep growing.

The idea is to find a pocket or neighborhood that offers the right combination of estimated ROI and rental demand, giving a balance of cash flow and tenant demand.In my view, this approach provides a more reliable signal of demand than relying solely on pricing adjustments or short-term market trends.

According to the Texas A&M Real Estate Center, we find a balanced real estate market at around 6.5 months of inventory.

Balancing everything you're doing is impressive.

Typically, you'll have something like a 10 year draw period with interest-only payments, and then the balance is amortized over 20 years.