Now, that's not the same as listings going down, just that the growth of listings is slowing, but it does show the trajectory is changing and I think growth in short-term rental supply and growth in STR demand are likely to balance out as those quick-cash-seekers from 2021 and 2022 sell or convert to MTR/LTR.The numbers haven't changed yet in Colorado, but if you're in this for the long haul, then I think those low Airbnb numbers are likely to turn around in the coming years. 

Bank and credit union loans are generally defined as “portfolio lenders,” or lenders that hold the loans on their balance sheets.

For example, I think it would be nice to have a 20 year spreadsheet for LTR showing 2 roof purchases at the 10 and 20 year mark (assuming 10 year roof) and then each system listed with its expected respective replacement year to get a picture of potential capex spikes,This may lend to moving replacements expeditures around to balance the outlay of capex dollars over the life of the property.Thoughts?

It all comes down to where you balance your personal perception of risks to the potential reward.But, in hindsight, I sort of align with Melanie.  

As mentioned, default interest and legal fees get insane and you will see the balance of the loan skyrocket.

Use your corrected Attorney created written application to allow you to ask their bank for the overdraft & daily balance history.

Any insight would greatly be appreciated..Thankyou  You may want to consider a cash out bridge loan to payoff those balances and refinance back into a DSCR loan once the credit is above 680

As part of the trial payment plan the borrower was able to put down $3,000 towards arrearages and agreed to an increased monthly payments.Borrower has made 6 months of consistent payments and we modified the loan to have the past due rolled into the unpaid principal balance.

My property management thinks he is qualified based on just 4 pay stubs, employment verification and one screen shot of bank statement (just total. )when I ask my property management to ask that guys to show actual bank statements ( not screenshot of avail balance) and w2.my pm said, “it’s easy to find fraud using screen shot. the more I wait the more I loose.

I realize we are extremely fortunate under any circumstance, but the thoughts I am balancing are if you could only return ~3 or 4% via renting out after a thorough renovation, would you consider just selling outright.