That guy also have a different last name.

I work with a broker but am open to looking for a different broker as they only work with a handful of insurance companies - including Auto Owners.  

Of particular interest will be the revisions (if any) to the January report, which blew expectations out of the water and helped send average mortgage rates back above 7%.Current odds on Fed rate cuts at upcoming FOMC meetings:May 1: 7% (up from 4% last week)Jun 12: 69% (up from 64% last week)July 31: 82% (from 78% last week)Note: These probabilities (which come from CME Group) are implied from the real-time prices of different Fed Funds futures contracts.

REP status is specifically trying to override this $150k limit, but it's out of your reach, unless you have a spouse who can qualify.Rules for STRs (short-term rentals) are different and do not require REPS. 

However, time in the market makes all the difference in the world!

Banks have different requirements.

This applies to properties used for the production of income, such as rental properties.However, if you initially declared your property as an STR (which typically falls under different tax rules), you might have been using a depreciation period of 39 years, which is common for non-residential property or property used for personal purposes.When you convert your property from STR to LTR, it's considered a change in use for tax purposes, and you would adjust your depreciation schedule accordingly.

That's what I'm getting at.Yes I understand how different "characters" of income are taxed differently.  

Actual cashflow vs spreadsheet cashflow are two very different things. 

I don't think there will be a difference in quality from 2-3 night minimum.