I also own some long-term rentals and a short-term rental.

Have we gotten to a point in this industry where a property is more attractive by short changing the true fundamentals and classifying the property an affordable housing opportunity? 

Why don't you share a bit more about where you are in the process, what you know about investing in real estate, what your goals are - short and long-term, and tell us a bit more about why you are asking your question here on BP?

It'll be confusing in the short term, I think people assume it's inflationary.

Before getting started, I’d recommend focusing on three key areas:Strategy Selection – Understand the different investment strategies (BRRRR, short-term rentals, etc.) and determine which aligns best with your goals.Market Research – Study the market you want to invest in, including property values, rental demand, and economic trends.Laying the Foundation – Take proactive steps now that will set you up for success later.

Lancaster city limits short term rentals to only certain zones of the city so definitely look at the city website for that information.

Mashvisor – Helps compare long-term vs. short-term rental potential, especially useful if you’re weighing both options. 4.

Long story short, the simplest way to look at this is to add a 0.5% or 0.55% to your FHA rate and then compare that to a Conventional option (note rate + PMI rate) priced with 1.75 discount points.

Are you going full tenant-style background checks or using something lighter for short-term travelers?

Sometimes I've heard of PMLs doing "creative" financing like this where maybe they do a very short-term loan that can be paid back once you sell the land.