My goal for 2025 is to ask for feedback from clients to improve our onboarding process.

This PM company is clearly out of their depth even though they told me last month that they had hired more staff and were making improvements to their processes.

Your journey into short-term rentals sounds like an exciting shift—I can feel your energy for taking on a new challenge. 

Last question, how significantly would the APR improve if we leave 30% in vs 25% or 20% on a HELO? 

Given how the housing authority does their rent price determination on individual units, and government ran programs are never beacons of efficient processes, it can go either way.Note, the examples I speak of only relate to C-Class and below areas.

I appreciate the insight that you and John offered regarding the lack of value in the business itself and strictly the land + improvements.

At my point in life everything I own is both a cash flow superstar and appreciating nicely, because I'm invested in growing, popular areas.If I was just starting off now, I'd probably be aiming for value-add in good areas where I could either live there while improving the unit(s) - ie a duplex, triplex - or where I could trade sweat equity for profit, or both.

Say you paid 100k 6 years ago and have done nothing to improve the property value.

The most tax efficient way to fix and flip a home you plan to live in would be to live in the home for 2 years as your primary residence.

Certain amenities can drive bookings (e.g. having a hot tub) but don't necessarily improve guest satisfaction.