So, they are prepaying interest, even if they sell in 2 years, or if prevailing rates do come down.  

For years I have been meaning to get into commercial either multi units or even industrial i.e. warehouses. 

Don't give up even when it's tough.

I would recommend listening to the BiggerPockets podcast, reading the guides and blogs, or even checking out some of the books they offer there.  

I'm not sure our guests even want that, and I'm not sure it would increase bookings. 

I am looking at $200-220K properties (20% down, 80% mortgage) and just about break even or have upto $50 cash flow.

Personally, I've been investing more than 50 years and never looked at the demographics for a neighborhood one time because I always felt that you need more personal knowledge about the neighborhood e.g. whether it is blue-collar working people, whether it infested with gangbangers, what the ability to increase rents is, etc. and the only way to get a good feeling and understanding is to personally visit the neighborhoods in the daytime, evenings and on weekends because weekends and nighttime is when the bad people come out like cockroaches.

Hard money is something too scary for me to even consider. 

The benefit of doing it via paychecks is that you can do it anytime, even in December 

Great agent and even better person.