We went and bought all new mattresses from the local store and my wife resorted to sleeping on the couch until they arrived the Zinus mattress was so uncomfortable.I honestly can't fathom how anyone running a hospitality business would think these are a good mattresses for their guest.

It took or more "top-down" approach focused on Paulson's flip-flopping with respect to whether or not government should bail out investment banks....letting Lehman Brothers unravel really hammered everything because Lehman was one of the bigger financiers of real estate (both resort and residential) as well as CMBS securities

without resorting to snail mail if possible.

HMLs are a last resort IMO, the corporate types, but if it works the deal and you make money...OK!

Double-edged sword with talking to the neighbors because you may be tipping your hand to your competition, so perhaps leave this as a last resort.

(Not very likely, but would make for a great fiction novel topic)3) People default in large numbers and the politicians lack the willingness to do #1 or #2, so resort to giving out a 'haircut' on the student debtFor my part, I see #1 as the most likely outcome with a good chance of sliding into #3 as the number of defaults rises.

Storey Lake, Windsor Hills, Reunion Resort etc.. 

You will likely end up with ‘insurance of last resort’ Citizens.

I also own an air BnB at a local ski resort.

Yes Ski Resorts would do very well in the winter months - and worth looking into in other smaller resort areas.