Quote from @Marc Winter: What are your areas of expertise? 

For reference, both tests detected an average of 20-30 spores per test of Aspergillus Penicillium and about 4 spores of Cladosporium if that means anything to anyone.They also said their children have asthma and are concerned about flare ups this winter, which is really concerning to me, given that maybe my property isn't the best fit for them due to the fact that it has a finished basement and single pane windows upstairs (it was built in 1956).

Heating costs go up in winter, as does electricity due to the reduced natural light and more people indoors.

But a surprising amount of “snowbirds” in our area during the winter months.

Probably 75% of that is earned during the winter months and 25% is during the summer months.

Our thinking is, if we can put down lower and make the deal pencil at the higher rate, we can always refinance when rates drop, which we understand is expected in the fall/winter 2024.

I remember times when people would leave food on our steps for us when we got home from church or times in the winter that someone was kind enough to make sure we had snow boots and warm jackets.

Run, Forest, Run! 

Some investors will combine STR with a winter long rental to make the #'s work.

A short term rental upstairs would be an amazing idea however the area in tahoe of which we are located is seasonal market as there arent too many things to here besides skiing and winter sports.