Well that's what I'm trying to figure out, from a room-mate perspective, if the decrease in what the two non en-suite bedrooms needing to share a bathroom with a third (fourth in total) roommate is worth the extra rent I could charge. 

I know it is painful when you have bern decreasing the rent already.  

Lots of our clients are interested in mini splits, but they always seem too expensive...all our subs tend to only like Mitsubishi, which is pricy.The heat pump will indeed still function in colder temperatures, but its heating capacity gradually decreases as the temperature drops.

MTRs can offer a nice balance between the steady income of long-term rentals and the high cash flow of STRs without the constant turnover.In terms of locations, I've noticed that areas close to hospitals or corporate hubs tend to do well since travel nurses and professionals on temporary assignments often seek out these rentals.

So although the goal is increasing rental income, I would also focus on decreasing expenses.

Either a lender or an agent is going to want to feel confident that you are working with someone on the other side that will actually be able to help you and will get the deal done but as long as the professional you choose has that ability there is no reason that would increase/decrease your relationship with them.In terms of the credit check - this is important. 

At least we're not seeing steep increases like a couple of years ago and in some areas (PCB and 30A) there are even some price decreases.

Taking on deals like this that decrease wealth, such as low return high upfront cost whole life insurance, paying 19% interest on credit card debt, paying 2% annually to have a “wealth advisor” place your money in Vanguard Index Funds, paying for a high cost mortgage because you’re credit is bad, and “debt consolidation” programs are all reasons adding up to why many people can’t achieve financial independence and remain dependent on working every day to live paycheck to paycheck.There is a chance that in a particular circumstance any of these, including the program offer you describe, can be beneficial in certain specific cases.  

On Hawaiian island, the number of visitors to Hawaii from the mainland US decreased by 10% but specific islands like Maui got hit the worst by 30-40% (?).

Had a nice positive cashflow until approximately 1 year ago when I had increase in property tax and HOA, plus had  insurance increase, which decreased my cash flow to nearly $0.