Case by case.Mixed or multifamily is usually up to 90%, rates starting 2.75%.The preferences are to construction, luxury properties, hotels/resorts/casinos, but again, it's construction or NNN for up to 100%, whereas the rest is 75-90%/

Contrary to the view expressed in the past by some STR ”experts”, vacation destinations are not exempt from increased regulations.

Quote from @Oscar Ledezma Vazquez: Hi,My wife and I both have a W2 job and purchased a vacation home in big bear, CA in late 2022 that is being used as a short term rental.

They aren't making a fortune, never take a vacation and pretty much live for the property. 

This question has been answered liveAnonymous attendee 02:59 PM In situation like this my life exprience shows that somebody or somebodies has a lavish live buying Rolexes and have luxury vacations.Anonymous attendee 02:59 PM Question: Who is to blame?

Hi Kira, I owned B&Bs for 25 years so I'm over vacation guests.

And if you truly can't do that, I'd still pick a market that's closer, where you have family, or went to college in, or vacation in, or hope to move to someday, or are interested in going to.  

Surprisingly its return was not up to my usual expectations, but I kind of wanted a luxury cabin that I can escape to if I want.  

We have that in Austria, where a lot of the (very nice, luxury) apartment developments and built by government-sponsored non-profits.

  $100k/mo give or take $20-30k depending on where and how far is your base cost.You could have a built a semi luxury 4-6 plane hangar in an area that accommodates a lot of air traffic.