While I agree that Covid may have provided an extra boost for 2020, it's far from an isolated event, it's part of a longer trend.  

Not saying that's right, but what I've learned 10 years later is its nearly impossible to isolate a single differing feature between like kind properties to accurately depict that feature's true impact on value, especially if the properties aren't cookie cutter rows for instance.  

Think isolated towns that are still a hub for rural communities, have a decent medical base, a college or two or three or military nearby. 

City of San Diego has crazy upzoning but instead of isolating it to where the infrastructure can handle it (my preference), they do it city wide.  

Now there is a crisis NOT needing STR, and there are plenty of STRs.3) If you are in a isolated mountain / vacation market with cheap RE assets where even with a low vacancy rate you are fine, and own 1 or 2 properties , I think you will be fine.

I wouldn't try to isolate the snowbirds to validate/leverage yourself into a "normal" insurance plan.

@Ian Tudor Ian I agree with you in isolation from the regulatory environment re lending to owner occupants.  

Having never filed any state tax return before, I guess state tax return forms don’t exist in isolation but are filed together with the federal return, with various info in the federal return passing into the state return?

The thing is this is not an isolated situation but more of a trend I'm seeing from several "wholesalers".

I am under the impression that each property is isolated to some degree.Of course these are all best discussed with an attorney, or similar.