You can hear a pin drop when i drop that one..

I don't require my agents to join NAR and in fact dropped my membership when I opened my own brokerage.If the situation made sense, I wouldn't necessarily require an agent to join MLS, but it's such a basic tool of the trade, I can't imagine someone who is active in the business going without it.

I've heard from others that the market drops off substantially in October and November. 

Sometimes they are dropped.

If anything, we're now seeing data that suggests there isnt much reason for rates to drop significantly any time soon.

How much LTV drop is typical?

Many lenders include a prepayment penalty  that lasts 3-5 years, which could limit your ability to refinance again if rates drop in the future. 

It has my peak seasons 2-3 times higher then my competitors but I think it's way too high and I'm going to have to drop prices dramatically later to get a booking.

In the case of a HomeStyle Renovation loan, your lender might have added PMI at the time of the loan because the LTV was higher than 80% at the time of the initial loan and renovation.PMI Removal After Renovations: If your LTV has dropped to 73% after the renovations (meaning the value of the property has increased substantially), you may have a legitimate case for PMI removal.

So you had way too much product and less demand and the gross rents dropped a bunch.Somehow the smaller cabin rents went up though.