For the past 5 years, I moved into short term rentals and Rob's expertise has helped me to become a better STR host. 

@Jay Hinrichs@Chris Seveneythis is not my area of expertise but OP said "they don't refinance unless it's a LTR"i don't understand this. 

Roofers come in varying degrees of expertise.  

Your expertise and advice would be incredibly valuable to us.Thank you in advance for any help you can provide.

@Toby Fellowsno way - 100% no - hard pass.high risk low reward. 

Based on your expertise which is the best Markets on the west coast for your lending criteria?

BUT, when you “accept” business that has low profitability, takes an inordinate amount of time, is outside your area of expertise, or does not add to your reputation for expertise, you’re replacing highly profitable business that does add to your reputation as an expert and leads to more profitable business.

This thorough investigation helps identify potential red flags and ensures that the sponsor has the resources and expertise to execute the project successfully.Financial AnalysisExamine the sponsor's financial statements, funding sources, and capital structure to evaluate their financial health and stability.

Louis as you know can be very block by block and requires some inside expertise in order to ensure a profitable investment.

With your opinion and expertise, would you expect increases similar to this over the next 2 years?