You can theoretically have a higher rate from one lender with lower origination fees and total finance charges may come in lower.  

I can do that through charging points, but since I'm getting it at a lower rate than you could as a consumer, I prefer to mark up the rate while still being lower than most others in the market.

So I agree that a private law suit may not be financially worth it for someone that invested a lower amount of capital, but we can see that there are people that have already posted on BP that they invested huge amounts like $850,000 for one person, and >$1M for another.

@Tom Rairdon If you’ve owned your short-term rental (STR) for over a year, it likely qualifies for long-term capital gains (LTCG) treatment, taxed at lower rates (0%-20%) compared to your 33% ordinary income bracket.

I would also target ones that are ideal for renting out when you move out so maybe do a lower price point. 

I've had them long enough to keep pushing up rents so that I am at the top of my niche, but know not to exceed it because I'm just about at the point where if I raised rents another $50-$100 I'd be crossing over into the lower end for larger units.

Most people who are affected by rent tend to be on lower socioeconomic rungs anyway and thus have less political heft to swing around.

A lot of local banks tend to have 1-3 year intro periods of lower interest rates for HELOCs, check with some yours. 

There are so many options for LVP now, from lower priced to higher.

I offered to temporarily lower their rent until they’re back on their feet.