@Paul Cijunelis  thank you for this response Paul, well I firstly got interested in CRE when one of my high school teachers told me about how he does it and that kind of started my interest, I really love CRE because I've noticed it's a very lucrative and risky business like high risk high reward, but not just that I really love seeing a bunch of properties being brought back to life with renovations.

I was speaking with a man who has a long history in lending and working for a bank, and he was poking some holes in an investment strategy I was formulating.

., Profit & Loss statement, Balance Sheet)Credentials:No formal certification is required and may or may not have a high school diploma, but some bookkeepers pursue:•QuickBooks ProAdvisor Certification•Certified Bookkeeper (CB) from the American Institute of Professional Bookkeepers (AIPB)•Certified Public Bookkeeper (CPB)Caveats:Bookkeepers do not handle and probably should not handle tax planning, financial analysis, or compliance work.

Alternatively, you may want to consider switching to a platform that offers this level of transparency.Additionally, on both Airbnb and Vrbo, if you have access to the account, you can view the transaction history.

As soon as possible after receiving a booking, I personally call the Guest and thank them for booking with us, ask if they have any questions and ask if there is anything that we can do in advance to prepare for their stay.Guess I'm just old school.....But then again, 11 years and only 5 STAR reviews......

But to sum up your truly relevant point, all you are really saying is that there is high default risk when you deal with people who have poor credit history or some other financial issues.

I don’t have any history with you and would be apprehensive about any promises you made to me.

Verifying last 2 years of rental history very important!

While algorithms can analyze data at scale, real estate isn’t just about numbers—it’s about nuances and the most important component of real estate is understanding its value, and that to me (maybe I am old school) but can only be done by physically visiting and walking the property.So for me, factors like local market conditions, property inspections, and borrower credibility can’t be fully captured in a formula.

Cincinnati has more history and an established feel, while Columbus is growing fast and has a lot of energy.