Supply and demand doesn't automatically dictate what the $$$$ end up as.11 - What does this really mean? 

Here’s how it works:Population Decline or Stagnation: If the population is static or shrinking, the current housing supply meets demand, and property prices decline (in inflation-adjusted dollars).

Like others have mentioned, there’s appreciation, depreciation, leverage, and tax benefits that produce a compelling risk adjusted return. 

Clients have access to our Portal where they can transparently see documents requested, and where the file is in the ProcessBlue Gate Capital Lending Parameters:Credit: 620+ Experience: All Levels, 1st Times, Beginner Ok Loan Sizes: $50,000 - $50,000,0000Fix & Flip: 90% Max Purchase Leverage, 100% Rehab Fund, Max 75%ARLTV - Rates Starting at 9.98% New Construction: 85% Max LTC, up to 75% Refi on Approved PlansDSCR Loans: As Low as .80DSCR, Leverage as High as 80% DSCR Rates: Starting at 6.98****           *** Base Rate, before pricing Adjustments: Experience, Credit, DSCR, Requested Leverage, Property TypePurchase / Refi AirBnb - Vacation Rental Investment Property - YES !

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?

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

Did you have an ARM that adjusted?

Just that the payment gets adjusted smaller.

@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.