This is related to lending laws/regulations created by the Dodd-Frank Act in 2010.

@Wiley Hood to be honest, with all the new regulations around documentation for cost segregation that has come out, I recommend having a professional do them.

STRs are an option too, but you’ll need to navigate stricter regulations in some areas.

Hoboken has stricter renting regulations than Jersey City.

However, private financing options are becoming increasingly popular for scaling portfolios.Zoning and restrictions: As you mentioned, regulations for short-term rentals, such as Airbnb, vary significantly.

Then a hiring increase for local regulation officials or private sector to assess housing quality & approve it.

Make sure you thoroughly know how the regulators view the way things are being done, before committing to a "creative financing" technique.

You cannot go after them as for a regulation a+ offering is self attestation (meaning you are attesting that you are not putting in more than 10%).

Ensure that you check your state's regulations and requirements regarding security deposits.

Issues with multiple national carriers leaving the state completely due to state regulations, massive loss ratios, huge increases in replacement cost values/limits due to inflation, etc.