That sounds pretty normal for the area.

Normally, Cleveland, OH is the list for cash flow but I'm not totally convinced if I should start there. 

Their pursuit of cash flow normally leads them to the worst of the worst neighborhoods where the spreadsheets never capture the accurate operating expenses and no consideration for neighborhood fundamentals is part of their analysis.

Doing this (renting both entire house and single bedroom rental) allows us to be able to tap into 2 separate target audiences and accomodate those singer travelers, couples coming to the area that would normally scroll past our listing due to size/cost. 

I normally list them with a tenant inside and if I cant get what I want after 2 weeks Ill drop the rent a little to get someone in.

Also lots of sellers have locked in <4% rates and don't want to buy at 7% new investors who dont have low rates will just deal with the new normal or historic rates.

STR industry led by Airbnb is a new normal just like Uber or Doordash.

I enjoy finding creative ways to monetize normally overlooked spaces at my rental properties. 

.- The Yield Curve will begin to normalize (uninverting): Even as the Federal Funds Rate begins to drop, the yield curve will finally begin it's march towards normalization.

it is technically a real thing but very rare, and there is plenty of historical data out there that shows those who have less skin in the game are at a far greater risk of default by a factor of 5-7x.