Though I have never dealt with a  portfolio lender or HML, my understanding is that the asset itself is the most important part of the equation. 

On the other side of the equation both rental and resale inventory is limited so there may still be some steam left to push up rents and house prices. 

I think you're asking for trouble by bringing appreciation into any equation having to do with cash flow.

Good Morning BiggerPockets

My name is Doug Meeuwsen and I am a new 31 year old investor from Hillsboro, Oregon.

My question to investor community is related to rent rates when analyzing a property.

As a new inves...

In the crudest of ways, I almost equate STRs to stocks and LTRs to bonds.One has more potential, but also more risk, and is more of a discretionary spend for customers vs necessity.that said, it’s more nuanced.

This is a huge part of the equation some people seem to be neglecting. 

But that's only part of the equation.

Once you have rules, you can take your emotions out of the equation.

Now if the expenses are true it would be valued at $383k, however in my equations if the expenses were 50% the house would be $249.Hence why I’m asking about Arv.

I know, in our state, you lost the homestead exemption but it doesn't equate to double the taxes...not even close.