But Americans have pets they love and want our space.

The #1 reason why landlords fail is this:  Failure to manage to the lease (Source: American Apartment Owners' Assn). 

While I agree that the STR market has matured and margins are compressing, I don’t think this is a universal truth especially for Americans buying in international markets like Germany.

Stable demand, in retiree market - yes, but also in several other segments: professional working remotely, new Americans. 

So yes, you can have solid concrete walls, it's still going to burn down.I have read that worst case up to 80 million Americans will relocate in the next three decades.

Hi Devin, Have you ever considered that instead of America needing smaller homes that are more affordable, that America needs more higher paying jobs so that people can live the actual American dream versus having to settle for less and less and less (Has George Carlin pointed out in his classic speech about this). 

if they are pressuring you like this.PLEASE watch the American Greed Episode on Remmington Financial  .not saying these guys wont or don't fund of course.. but when I do my deals with my banks its common that I pay for the phase one and the appraiser directly..  

At the moment, we are using American Modern and Sage Sure through our insurance broker. 

I'd really like to find someone here who has dealt with them :-)Hey Randy, check out the American Association of Private lenders.

We are only selling completed homes with our own in house financing currently at 3.75%, a huge discount from most bank rates.We are a long time property provider for some of the bigger podcasters: Real Estate Guys Radio, Marco Santorelli (Norada), Kathy Fetke (RWN) Jason Hartman ( Empowerd Investor) GRE (Keith Weinhold), Whitecoat Investor Group and more We also work with American Homes for Rent, Invitation Homes, Crescent, Haven Realty (JP Morgan) to name a few on the institutional side We are partially owned as of 2022 by Sumitomom Forestry, which means we have no bank debt and self fund all our building projects.