With various data sources to back me up, many say Chicago could gain even more climate-migrants and the likes from each west/east coast who're facing extreme weather events at unprecedented rates (I lost my home in 2007 in San Diego due to a wildfire, and know many others like me).

However, interest rates are so low now.

I think I saw that the Jacksonville REIA is meeting on the 16th.

Hello Dan Breen,It sounds like you've received notifications about your VA guaranteed loan potentially being eligible for the VA IRRRL (Interest Rate Reduction Refinance Loan) program.

It's my personal opinion that meeting somewhere that isn't classically considered as a vacation destination would give you a stronger case in arguing for a business deduction (with online being the most straightforward).

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Savings rate?

Does it matter where the lender is based as long as they meet the licensing within that state?

I would just say the biggest red flag here is "anything sounding too good to be true" - whether thats a hard money interest rate well below market, or 100% "no skin in the game" financing, etc. - those are the biggest red flags here IMO

On the opposite smaller occupancy often are booking not far in advance of the occupancy.   6 weeks is enough to have high fill rate.