Rates will most likely continue to decrease but not at a rapid rate.

If I could put down more money obviously that would decrease mortgage but I need some left over for closing etc I cannot believe that some people with thousands up up votes think this could be a good opportunity.Here are some thoughts/comments:- At current rate and those rent points, 1% is large cash flow negative at high LTV.- market rent is ~$2400/month but PITI is $2150. 

We keep making those lists for the biggest rent decreases, highest vacancy, etc.

You can find higher ROI (on paper) here and probably in other cities…but the probability of actually collecting rent significantly decreases.

Hopefully someone with tax accounting knowledge can jump in here with more detailed analysis, but I looked at this a bit several years ago...1) You still have to pay the depreciation recapture on the sale decreasing the net benefit of this approach due to the large tax payment in the 'sale' year2) The LLC would need to not be a passthrough entity so that it can be taxed separately from you, so you have to add another tax return cost for the years going ahead3) Taxing it separately from you likely means corporate status and corp. taxation rates which are higher than yours and I've heard many times over the years to avoid titling real property as a corp...Overall from what I've seen this only makes sense in a select few scenarios, which for most people aren't in play. 

The fees are built into the portfolio where the sponsor earns on their spread over the actual yield to investor, so there is no decrease to capital going into the portfolio.

If your business bought a vehicle and you deprecated all at once  that is going to be a significant decrease in taxable income , but as seen above you can add it back for your income for the loan.In addition, if you have any debt on your personal credit report that you can show that the business has  paid the debt for 12 consecutive months you can exclude that debt payment from the debt to income ratio.

Margins getting thinner.ADRs have actually decreased significantly in my market (Denver) since 2022.

Alas, this scenario didn't last very long, as you would expect in a free market capitalist society -- new money flood in, more STRs in supply, property prices increase, STR incomes decrease, until a new equilibrium is achieved.Nowadays, the word STR is being used to describe both the property and the business.

If rates go up, affordability decreases, which could soften demand and slow price growth—but not necessarily cause a crash.Supply Chain & Construction Costs – If tariffs drive up material costs, new construction could slow down, keeping existing home prices more stable than expected.