Are you covering the utility bills and rolling them into the rent?

This is the way that I roll. :)I would like to get out of my plumbing career pretty soon.

I just did a deal w a priv lender, 3 points were rolled into the loan.

One roll of paper towels. 

Real estate historically has played a roll in segregation.

-OPPORTUNITY-Our commercial loan guy said he could roll all of our loans (they are all at the same local bank) traditional and commercial into one commercial loan at 4% amortized over 20 years for 5 years.

Do you think it's definitely back to Q1 2020 levels within a year or two of the vaccine fully rolled out, or do you think there will inevitably be some population, economic decline?

If they do not, then you need to be comfortable rolling the dice to operate a STR.

Give us a little better idea on maybe neighborhoods of interest or price point you are looking to roll into?

It could be that you are referring to rent rolls, but even then I have not seen that decrease within an entire building and this is based on the few hundred units in the city that I manage.