Scott,When the card is maxed out your overall utilization will increase which will bring your score down (temporarily) once this is paid back your utilization would go back to what it was originally and your credit score would adjsut accordingly.the drop in credit score is just a temp. thing and a small price to pay for whsat you are receiving in return IMO..

Sounds like a temp housing company that insurance companies outsource to.

It does not matter if your soft skill is data manipulation, person to person networking, social media, people management, there are some universal talents that you can use to build invaluable relationships worth far more than one grand with only the cost of some sweat equity. 

But it broke people tired of being manipulated by people in power.

It is very easy to manipulate a proforma: reduce exit cap a few basis points, increase rents by 10% in the first year, reduce economic vacancy to 5%, etc. and you get to an IRR that looks attractive.

Yes, it informs about a few categories of the neighborhood, but like @DavidFawcett said, they are just numbers and numbers can be manipulated, and ultimately just ends up being your own opinion anyway.Your responses certainly prove that some shift is happening there in Stockton, but I would ask whether the article was written with the investor in mind, or the growing family?

I joined BP in 2015, and I purchased my first home* in July 2016 in the heart of college town (and my home town) - Tempe, AZ.

. : )Usually these owners are looking for the inexperienced buyers to manipulate and take advantage of.

Quote from @Rashid Khalil: please hare your thoughtswhich STR areas/cities have less seasonality Hawaii , No raining season, very very limited Hurricane risk ,basically same temps- always 85-90 at the beach,  If you are in the Vacation/Resort areas  there is almost no slow season and aggressive owners get 90-95% occupancy.  

This calculation can take that expected growth and growth in cash flows combined into one metric to look at the investment.Personally, I don't really look at IRR because it is a highly manipulated metric.