Thanks in advance I really appreciate any perspective.

I'm in lending so I try to provide a bank perspective when possible. 

Thanks James,  definitely a different perspective than I thought I'd get on this question.   

However, in your market they might have a different perspective.

Altogether, the shift will result in a fresh round of layoffs for the bank’s mortgage operations, executives acknowledged, but they declined to quantify exactly how many jobs will be lost.

Aloha, I'm wondering if anyone could offer some perspective on what you might do in our situation (or what options we might have).

To put it in perspective, there are about 660,000 AirBNB listings and a total housing stock of 83.3 million single family homes.https://www.stratosjets.com/bl....https://www.urban.org/sites/de...And many of those airbnbs are for renting someone's home while they're not there or an extra room or what not.In the same way I don't think a motel owner is under any moral obligation to convert to a motel I don't think there's anything wrong about using your own property as a short term rental despite the housing shortage. 

From a financial perspective, this is brilliant - you put $5k down on a $50k vehicle, write the entire $50k off, and receive $20-25k in tax savings.

What most on these forums truly don't understand is how the United States is shifting to a more European cycle of where people live and work and we're not going back to urban sprawl.  

I'm hesitant from the perspective of the high crime in the area but somewhat bullish on the development of the area.