The same client faced a shady HOA demanding $15,000 in "dues" for just "6 months of missing payments" on a supposed $300-per-month fee.

Veteran hosts - have you noticed any impact from these updates on your booking rates or revenue?

This is the market to invest for value-add plays, and appreciation plays. 

Long story short we need get out of our comfort zone and aim higher (forced appreciation play/ nicer neighborhood, no cash-flow) or buy cheaper more distressed properties (cash).

Not only should we be using a professioanl photographer, but you need to coach them on which pictures you want taken.

Keep us updated on your journey.

The next move depends on how quickly you want to grow and how much risk you are comfortable with.If you want to scale faster, using the $30K as a down payment on a duplex or triplex could be a strong move.

The other applicant had a bankruptcy in 2021 and has active trade lines (I can’t see the detail on when these went into collections). 

Instead of attempting to get some arbitrary guess on your costs, wouldn't it be more valuable to you to get a more precise figure?

Quote from @Cory King: Hi @Bill GrenierThe amount of structures can have an impact on financing but there are options out there.