Hey @Tom Tao, so Ashford doesn't appear to be heavily saturated.

I invest heavily here myself with reliable contractors. 

I looked heavily into the STR market back in 2022 and it didn't make a ton of sense then.

If you are within Minneapolis limits, the metropolitan council is more heavily code-regulated than the outskirts. 

I am heavily involved in the HELOC space and don't have any good ideas for you.

I once did have an appraisal come in ridiculously low and I HEAVILY scrutinized the appraisal point out a number of FACTUAL errors and even then the appraiser refused to adjust it.

I am heavily into investing and I have been thinking lately about investing in Real estate.

The issue with folks selling these loans without knowing how actual residential loans (where you DO have to be licensed and are heavily regulated) are getting people into trouble with simply wrong advice etc.

You just didn't get caught.And god help you if you do it to a borrower in financial distress or if you do it in a state that prohibits equity skimming, requires licensure or registration, or other nefarious acts against homeowners. the crew I rescued in Oregon who did about 30 of these got in major trouble when they started to fail .. under capitalized drank the kool aid.. wrap un qualified buyers into the houses.. original sellers getting NOD's and then filing complaints with the AG etc.. it broke them end of the day they did not get criminally charged ..

The way I've seen TC's being heavily promoted in Mr.