Right now cars impose a lot of costs, externalities on society that car owners themselves are not directly paying for.

For instance one $300,000 property might have $4,000 in taxes while another similar property might have $9,500 which might help be a deciding factor if other expenses are similar.

As far as the OP's original question, I think a large number of STR's in one area can be a contributing factor to housing issues, but rarely the root cause.

More specifically, I'm curious about the knowledge factor.

More specifically, I'm curious about the knowledge factor.

Have always found it tougher to cash flow there once you factor in the property taxes. 

Given that most homeowners don’t have spectrum analyzers or a certification in Wi-Fi design the most important factor to performance is not features or the latest standard, but rather ability to properly configure out of the box.

Data simplified is a reflection of human behavior and the external factors that are influencing it.

Since the loan is secured against your own money, the monthly payment does NOT have to be factored in the DTI. 

Secondly, the big factor in premium is deductibles.