The number one benefit for a high income earner that invests in long-term investments is that the depreciation will shield your rental income from your effective tax rate.if you are a high income earner, you are likely around the 35% federal tax bracket and another 5-10% tax bracket if you are in a state with a taxInterest income will be taxed at potentially 45% + 3.8% net investment income taxDividend income will be taxed at potentially 30% + 3.8% net investment income taxRental income potentially at 0%I think a lot of people get disappointed that their tax burden doesn't decrease.It can potentially decrease but it will require proper planning along with some level of participation with the real estate.

It will tell you if that change increased/decreased clicks & First Page Impressions & Booking Rate overtime. 

But your heading says STR Insurance, and I don't know if the number of STRs will decrease by a huge amount because people will still vacation there. 

Even if I do not make an offer, I will provide feedback on how below market rents or unrealistic rents decrease the value of an investment property.   

I recently received renewal paperwork for 2024/25, shockingly the premium decreased a few dollars. 

The results are:Delivered over 530 investment properties to more than 180 clients worldwide.Our repeat business rate is >90%, indicating the clients made money.Our average tenant stay is over five years.We've had 7 evictions out of a tenant population exceeding 1,000 over the last 17+ years.Our client’s rental income has been highly reliable: no vacancies and no decrease in rent during the 2008 financial crash.

I recognize my numbers did not include closing costs and as you pay down the equity, the LTV decreases (but you get the equity paydown), but this return is so high that even if it had a modest hit, it would still be a great return.https://www.neighborhoodscout.com/ca/san-diego/real-estateAdding in forced appreciation can create an infinite return via brrrr.  

However, this will typically only decrease the monthly premium by a bit. 

And lastly, I search FunishedFinder listings nearby, find comparable properties, and track the listed rent for a few months (does it increase, decrease?).

With supply increasing and demand decreasing, how do you see this trend impacting investment strategies moving forward?