Here's the thing about ALE and similar agencies: they can be a goldmine, but you need to adjust your approach to meet their demand sweet spot.

I’m curious, have you found any specific tweaks or adjustments in Yardi that have been especially useful for presenting your T-12s to bankers or buyers?

If they are not changing their personal lifestyles to adjust to this, not communicating, doing new deals leaving old ones to wither then you know what your dealing with the goal ( human nature i guess) is to keep lifestyle intact at all costs.

Example I think an S&P index funds are a bad “risk adjusted” investment.  

Just that the payment gets adjusted smaller.

Did you have an ARM that adjusted?

@Gash Nookala,Renting can indeed be slower in winter, but here are some tips to boost interest:Enhance Listing: Ensure your listing has detailed descriptions and high-quality photos—consider professional photography if needed.Competitive Pricing: Double-check local comps; even a slight price adjustment or incentives (like a reduced deposit) could attract more interest.Broaden Marketing: Beyond Zillow, Hemlane, and MLS, use social media, community boards, and local business connections to reach a wider audience.Flexible Lease Terms: Offering shorter or month-to-month leases might appeal to tenants during this slower season.Local Property Manager: A local pro can tap into their network and help fill the vacancy faster.These steps should help you find a tenant despite the seasonal slowdown.

I'm new here so may not have a full view but the overall climate seems to be-anything to make a deal-ridiculous financing, leverage the home you life in-who cares where it is located it will be easy to rent/manage from hours away-don't be gracious with your tenants and housekeepersMy guess is a tilt toward young and not financially stable which is awesome if remaining sensible. 

It’s easy to manipulate projected returns by making a few small adjustments in the underwriting and proforma.There is nothing guaranteed with any investment.A few additional comments:1. 

Yes, you can put down 10% for a second home, HOWEVER the rate adjustments for a second home and investment property have been the same for several years now.