Quote from @Jaedon Stout: @Matt Ridenour yes the major Banks are the best especially for no doc funding and lending to start ups with great promotional rates.

It is in the area that has decent short-term rental rates based on airdna and what property managers are seeing.How much more in maintenance have you all noticed on a short-term rental versus a long-term rental?

Because there is more risk that generally comes with higher interest rates. 

What is your current rate?   

Offering discounts and opening up your calendar are great steps.

Some people only want 10-20% of their outstanding lines/debt balances available while the other 80-90% to be in fixed rate notes.

If the answer is yes, then it's a no brainer to make minimum payments on your 2.8% interest rate mortgage, and use the funds that you would have paid extra to pay it down faster, to either invest in more real estate, the market, or anywhere else where you can get a ROI > 2.8%.If the answer is no, then feel free to aggressively pay it down as fast as possible, to become debt-free faster, and just have a large amount of money in savings or to splurge with.The bottom line is that your 2.8% mortgage is GOOD debt.

Interest rates atm seem quite high so will ride this out a bit longer (and ratios will continue to improve over time.) 

Of course back then we were getting “screwed” with 6-7% rates.

I don't think you can say a place is doing "very well" when they're among the poorest cities in the US and has among the highest foreclosure rates in the country.