I’m in Florida and people can “owner occupy” a house that they don’t live in year ‘round, but come down to use in the winter months.  

(last winter they used space heaters.), and well as having the siding replaced. 

Heating costs go up in winter, as does electric due to the reduced natural light and people being indoors more.

And most importantly, does it include a full year's hold, since on average, per AirDNA, Gatlinburg is 94% occupancy in summer, but 50% in winter?

I'd ask:@Marc Winter

Santa Cruz is a seasonal market; inventory goes up as we head toward summer and goes down as we head toward winter.

I was thinking of an area that is popular in summer and winter.Alternatively, I was thinking of a summer/winter home somewhere in New England, that would generate enough to help off-set the cost of travel.We have about 150k in home equity and 25k in cash, although we can maybe come up with more (10-15k) in the coming months.

For example, I have a snow guy (Alex) who will remove your snow all winter charging you a flat fee for each time.

Heating costs go up in winter, as does electric due to the reduced natural light and people being indoors more.

My credit is **** due to losing 1.7 m in Crypto winter 2018, but I'm a serial entrepreneur and can run this business with my eyes closed.