That being said, I seem to be doing better than most.I had a couple large ticket items to fix last year that really ate into my profits, but I still ended up positive and with a great retreat from the city that pays for itself.

Maybe they're testing the waters and rolling it out in certain cities or areas.

It's in a growing city, so the numbers are tight without adding rentable SF.

The city is seeing some of the largest growth in the U.S. and there are still great opportunities everywhere.

Other big things in the saint louis region, like the CityPark soccer stadium in the downtown region which costed over 450 million dollars and was completed in late 2022, shows that growth is possible and is happening in many ways around the city. 

You have everything from low end inner city properties to rural properties and a ton of small towns in between.

1) Air-DNA; either premium version or free trial.2) An Excel spreadsheet that contains all the raw data from Airbnb for all the listings within a city (just like if someone collected the data manually for each listing).3) Other software/app.Appreciate your thoughts on this!

US Bank I think is the biggest construction to perm lenders, if I were doing a construction loan for a primary residence I would look there first.Good luck!

A LOT of distrress is leading to mergers and firings, in just the last few weeks, this happened: (Big credit to @NewsLambert)Lower to acquire Universal Lending retail and wholesale operations (11/1/23)Trustar Mortgage acquired by Archer Mortgage, LLC (11/1/23)People’s Bank of Commerce to exit residential mortgage lending (10/27/23)BMO Bank cutting 228 jobs in Northern California (10/25/23)Homestar Financial to wind down operations (10/25/23)City National Bank layoffs in Los Angeles total 71 (10/23/23)Hometown Lenders layoffs (10/12/23)First Savings Bank to lay off 135 mortgage workers (10/4/23)Wesley Mortgage absorbs competitor Colten Mortgage (10/4/23)Cenlar to lay off 85 in Ewing, NJ (10/2/23)Rithm Capital to acquire Computershare Mortgage Services Inc. (10/2/23)Wells Fargo cut 525 jobs in South Carolina (9/28/23)Better Mortgage lays off additional employees (9/22/23)The Graystone Company has acquired Direct Mortgage (9/13/23)Flyhomes to purchase certain assets of Home Sale Assured (9/13/23)Divvy Homes to cut 95 jobs in San Francisco (9/11/23)Farmers-Merchants Bank to sell three branches to focus on core mortgage business (9/11/23)It goes on…..The mortgage industry is in a starkly deep recession.And RIP refinances, unless you are holding an even higher interest rate loan (like a construction/bridge loan or hard money, or perhaps you just fixed your credit.

There are a number of reasons for this, but a higher HOA fee is one of the biggest reasons.