I think those that bought in the last few years for appreciation or with adjustable rate mortgages and had slimmer cash flow/margins are feeling the pinch a bit more.

And yes, a lot of PMs are charging low nightly rates while padding their own accounts with fees that you don't see much of.

When are the local meet ups hosted and where. 

Now the fed is expected to begin cutting rates and we may begin to see greater separation between bank and alt. lender rates but if the fed cuts rates slowly as predicted  there is likely still a window where alt lenders will be competitive, especially in the scenario I described. 

We meet every Friday at 9am PST.

Only 1 unit remaining but they don't want a pro-rated amount for it, so I am out!

That was easy to do for the last 12 years with rent rates increasing, but no longer!

They both have low property rates and are close by and more landlord friendly than CA. 

Any missteps or misunderstandings of how those all work together will render your LLC useless.Best to meet with a savvy attorney and strategize your specific situation. 

I’ll get a better interest rate on the property as compared to an investment property since it is an owner occupied conventional loan2.