I suspect that short term rental returns have declined due to oversupply and some short-term rental owners are switching their properties over to long-term rentals.

Here's a recent book we published for self-managing landlords: https://store.biggerpockets.com/products/self-managing-landl...

We love visiting with people about the product and Northpointe makes it easy to originate.

This is highly specific to the loan product and the lender.

. ✨ looking for ideas on to  how to acquire an owner-occupied property  with 5% down by using a mortgage loan product to purchase , improve and  avoid mortgage insurance based on projected value?

The product is called a Bridge Loan. 

Construction of homes began in early 2022.In my experience, my commercial sites move along a much faster timeline, but this one was exciting to finally see a completed product. 

I got lucky that the tenant wanted a house in my neighborhood to keep kids close to their schoolsHouse was listed for 1750, they offered 2250 but I declined , so they offered $3k, ended up renting the house for $3250 ($250 pet rent) per month, for 3 month, open to extension if needed.I met the tenant and did the background check on them, I felt comfortable renting to them THD takes time with approving the property, but they were quick to approve the lease, and they sent me the checks the next day after lease signingMy house is not furnished, and they were ok with that , they actually work with a company that provides furniture for the tenant, and they coordinate the delivery and setup of furniture on the lease start dateOverall I like the experience working with them , but hey today is day #1 (out of a possible 3 months), so I will update this post if anything wrong happens or if I notice any red flags

In my opinion, it can be a sign of builder/investor confidence in a given area if they're willing to put up the capital to build new homes in a given area: they believe there will be enough demand to sell their new products.

I also think that demand for U.S. treasury bonds (which underpin most fixed rate permanent debt products) will dramatically decline over the next 20 years, which will cause interest rates writ large to substantially increase across the board.