I’ve heard people say don’t do it, but not sure why and frankly don’t want to be dishonest if they ask.

Are they worth it… every year people waste money on car insurance, home insurance, and medical insurance….

Hello Damon,It's great to see Local (and Surrounding) people from H-Town in here.   

A lot of people do this professionally, but make sure you vet the operator if you're considering it.

BP has been vital in making connections to learn not only with national people but with local investors in my area as well (no specific meetups though).

Personally, I'm not a fan, but I could see why some people like it. 

I guess what I'm looking for is a legal loan shark, do people like this exist?

The city has seen a rise in rental demand, especially for multi-family units, as more people are drawn to the area for its relatively lower cost of living compared to larger metropolitan areas on the West Coast.Investors looking to enter the Spokane market for small multi-family properties should keep an eye on key factors such as property location, rental trends, and local development projects.

As I am reading more it seems common but it also sounds like there are plenty of people who don't do it well. 

The people from the city will make a reservation on Airbnb to catch you and find you $1000 per day based on the amount of time it’s been on Airbnb.