When you're talking about interest rates dropping I think you mean mortgage rates but the government isn't getting rich off of those.

.- I was scared to drop out of law school In 2021 and go all in on REI, I’m super happy with my decision.Now, whenever I’m scared/nervous, I take that as a sign that I should probably do it, and that it’s room for growth.Yes, sometimes it will be a mistake, but that’s how you learn.4) Value Relationships over everythingGood relationships will bring you more joy and take you farther than being selfish and/or greedy.What principles do you live by?

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You're better off opting for an interest-only mortgage, saving on payments, and then refinancing it into something more conventional when interest rates drop—or, if possible, making a plan to pay down the principal.Interest-only loans, which typically last for the first 5 to 10 years of the loan term, offer two key benefits.

Rock that for about 12 months and add some equity and then you could refi out to conventional so as you pay it down in the future the mortgage insurance will drop off.

If I accept the suggested pricing opportunities it could drop my rates by $100 / night in some cases. 

I know this industry may be hit or miss, but if anyone can drop any kind of advice that would be great!

I wouldn't touch your current loan unless rates drop 1-2%.

Would be super appreciative if you could drop me a DM if you have recommendations!

It looks like you are right to be concerned about the low season as occupancy drops below 50% for most of the year