While I overall agree with you, there is a case to be made that premiums will start to normalize:Namely, major insurers pulling out of the high risk areas like FL and CA are limiting their catastrophic events.  

This is one of the major misconceptions that people have with real estate is that you can buy often, even if you do not have great W-2 income.

One of the biggest pain points for potential hosts or owners is the 24/7 communication so mastering that solves a major anxiety point for them.

I am a major investor in the area.

I love helping investors as they are majority of my clients, but I can't spend time educating dreamers without a real intent to do business. 

It sat for a couple of weeks which is a long time in Denver, but interest rates were still low, so I went in at list price and wrote $5,000 in concessions into the offer to cover the majority of my closing costs, and I pocketed the buyer agent commission as well.

I am a current senior in college majoring in finance.

This home has been described by building department officials as the largest residential home on the Big Island, featuring an impressive 100-foot pool.I purchased the property in 2021 when it was in a severely dilapidated state.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.

Did they receive any kind of report about major moisture problems?