Hey @Sara Valentine,It sounds like this is a common problem with many other STR and MTR operators locally and across the country. 

This is the kind of thing the bank you keep all your operating funds in should be happy to help you with. 

If you’re looking to continue to invest in your backyard, it helps to network with as many locals in the industry as you can.

This year, let's prioritize learning and adaptability, recognizing that continuous growth is key to staying ahead in an ever-evolving world.Networking and collaboration will be crucial as we navigate the changing landscapes of industries.

Vanessa, If you choose the seller financed route, you could potentially continue investing under the bank's stringent debt-to-income radar, so to speak.

BP has a book on Partnerships written by Ashley Kehr and Tony Robinson.On the technical side I would suggest partnering on a single flip which can be done with a simple JV agreement before jumping into creating an entity and crafting very good operating agreements.

And some expensive ones for larger operations.

If you’re using leverage, be extra cautious with your underwriting to ensure the deal still works at today’s rates.Economic Uncertainty: Inflation, potential recessions, or shifts in demand could affect rents, vacancy rates, and property values in some markets.Increased Operating Costs: Rising insurance premiums, property taxes, and maintenance costs can cut into profit margins, particularly for buy-and-hold investments.Regulatory Risks: Some areas are increasing restrictions on landlords, particularly short-term rentals.

.📈 Interest Rates UpdateMortgage rates remained steady above 7% this week.For context:2017–2021 rates: 3.65%–4.87%Pre-pandemic average: 4.16%While today’s rates are higher, Las Vegas home prices continue to rise.

I’ve talked to a number of investors and they can’t get 10% down on owner finance transactions were the deed transfers at closing.I operate in 4 or 5 markets.