@Alison Rauch yes you can pull cash out later assuming value increases.

I'm curious what leading indicators people use to determine what areas may increase in value.

At a certain point, the market will perceive increased risk in the bond market (already happening), and the way our national debt is going this will eventually happen with US treasuries too.

In other words, are you competing via price vs hotels...getting budget minded clients...or do youhave a particularly attractive location?

It increases property value?  

Completely agree with @Michael Jones, aggressive breeds will cause your insurance rates to increase dramatically.

@Jonathan Depa I'm not sure that short term properties are dealt with any different than long term tradition rental properties, but in 2009 Fannie Mae increased the number of properties that a bank or financial institution can finance to 10. 

Sec 8 is notorious in NYC for denying regular rent increases.

Investors use NOI to calculate cap rates and the potential for a property to increase in value. 

Having student loans should increase your credit, not hurt it, assuming you actually paid them when you were supposed to.One of the easiest ways to boost your credit (beyond beginning to pay what you owe), is to go and pull your free credit report (I believe it is https://www.annualcreditreport.com/).