Because you used, "he" and "she" it appears you've dealt with 2 different people on this.

Pros could be: Clean water + tub for each guest; on a well, so no water waste concern; can make it design-y + cute; can be used winter (hot water) + summer (cool water); goes better with forest location of the home than a traditional hot tub might; will hold same number of guests as hot tub would (2 people in each tub).In researching I have seen some people on Airbnb have these checked in amenities as 'hot tub', some 'private hot tub'.

Clearly, those people can't afford that loan, so why was it even offered to them?

I know a few people with plenty of cash who can do the private loan for me without issue.Curious if this makes sense and if so if anyone has any good resources for getting best pricing on fourplex loan.

People are telling me it’s strange to put 2 beds in the master bedroom.

It's possible that this increase can prevent a lot of people from buying and might even force others to sell.Do not wait for your taxes to increase.

I am close with several wholesalers, who are the hardest working people I have ever met.

One thing a lot of people get mixed up with is capital investment and equity.. if you don't explain this properly the investor may think you are scamming him.

Yes people lose it all, typically because of over leverage or crazy events like 2008 - but if you also have cash reserves you can offset any downside to minimize risk even moreWhen people start using lines of credit and seller financing at 90-100% you are correct those people have a very high chance of losing it all.

Done.Anytime, thanks for the amazing website and amazing people.