Big changes coming soon, and climate change is just the beginning.

Quote from @Zeona McIntyre: Hey @Blake Winiecki I imagine you live in Florida but I would reconsider investing the area for one main reason - climate change.

Not only is it a recreational source but it is a climate moderator.  

If I invested in FL, CA, AZ, NV, I'd probably have a different opinion, but warmer climate still doesn't mitigate the liability and maninenace objections.

We’re drawn to relatively affordable areas that may be more resilient to climate change in the long run (though we know nowhere is immune).Buffalo has caught our attention because of the growing investments in the area, which we think could drive future economic growth.

Away from the coast, no hurricanes, fires, floods - we don't even have snowstorms anymore.People can deny climate change all they want or blame it on sun cycles, and frankly, it does not even matter, the reality is that insurance cost will force the issue.You can try to rebuild and you can put houses on stilts in flood areas, or fortify them against high winds and fires, but that makes it expensive.

90% LTV on a HELOC or Refi is not realistic on an investment property with our current market climate.

There's a mix of younger professionals drawn to the tech and education sectors, as well as retirees attracted to the area's mild climate and cultural attractions.2.

That has informed us for this year's trip, and we'll be staying in Langosta/Tamarindo, Potrero/Flamingo, and Hermosa (Guanacaste not Jaco).Of course, there are tons of beautiful places in CR, and the better climate (read: less hot) is found at higher elevations. 

My first impression is that your numbers in the current economic climate seem a little rosy.I also have friends that are builders and I try to stay in touch with them on costs as we mostly do "to the studs" renovations when we buy a place.