I wouldn't waste any more time preparing a "plan" because each bank will have its own culture, structure, and appetite for risk.

But that is just our times and culture more and more it seems.

Keep pushing the culture forward my friend.  

We Californians benefit because we see all types of cultures, values and overall diversity.

She’s kind and trustworthy but not very assertive which is typical of Filipino culture.

I used a U.S. expat agent who understood the market, the culture, the language, and the American investor mindset.

@Jeffrey DouglasPrinciples by Ray DalioProvides great real life experiences and ways to create a fantastic culture for any business.

I think this speaks to their cultural desire and ability to improve their lives.

Because the highest ROI is about 1000 miles away from me where I own a number of properties that make a ton of moneyI tend to buy in the Southern half of the US for 3 reasons:1) you get much higher year-round occupancy rates in the South & it’s simply tough to earn a good ROI in the North if your place sits vacant for a big chunk of the year2) Culturally, the Southern half of the US seems to be a lot more accepting of STRs regulation-wise.

Some of these areas are a little rough.The cultural district is booming and there are gems if u take the time to look.