See the graph below and notice how DOM increases in the winter months:Again, your idea of offering a commission/fee that decreases the longer the vacancy sounds logical, but in practice is impractical due to factors outside an agent's control.

Several cities have a decreasing population too and the outlook really isn't good.

If you are truly looking to shorten the loan and decrease the rate, it may make more sense to look at a 15 year option. 

Since Airbnb fees increase the total charge, either of the following result - (1) host lowers amount charged so TOTAL amount still attracts customers (2) total amount is enough to decrease demand and hence increase vacancy time while consumers find cheaper alternatives either through less expensive platforms, direct with host, or at hotel, or (3) consumer stays home or goes somewhere else. 

You can see a small uptick in September, followed by a dramatic decrease this month.And a 5 year chart; the average is $3.05/gal, as of yesterday. 

Concerns such as the home value decreasing, 24/7 humming noise, increase water bills, increase electric bills and other environmental concerns in regards to health. 

Do you see the concession amount increasing or decreasing soon? 

Bonus Depreciation is in its scheduled phase down which started in 2023, where the percentage you could take of the Bonus Depreciation decreased to 80%, and has been decreasing 20% ever since, currently at 40% in 2025.

Additionally, Minkow made $50,000 from shorting Herbalife stock.[31] He continued to profit from his short sales position due to sharp decreases in the reported company's stock price immediately after releasing a new report.[17]On 20 February 2007, Minkow distributed a 500-page report to officials at the SEC, the Federal Bureau of Investigation (FBI), and the Internal Revenue Service (IRS), accusing USANA of operating an illegal pyramid scheme.[32][33] On the day Minkow's report was released, USANA's shares had traded at $61.19 but by August the share price had tumbled to less than $35.[32][34] Minkow later acknowledged that he was shorting USANA's shares, hoping to profit from a drop in the stock price.[35]USANA filed lawsuits against Minkow, accusing him of stock manipulation and defamation.

We are however seeing rate stabilization and even some rate decreases announced for Q4'2025.