Good luck buying some bread with your gold bar.

Because the responsible party is Clerk Halbert alone, I have done my best to advance this issue in the courts.

Quote from @Carolyn Fuller: I think you have misplaced the blame for the financial chaos we are experiencing right now.The blame is on both parties. 

Great points, Jeff — and you’re right to highlight that the expense ratios are unusually efficient for a coastal STR.A couple of clarifications on the numbers:The current owner self-manages, which keeps cleaning and maintenance costs lower than a third-party STR manager would typically charge.Some of the repairs and CapEx were front-loaded in prior years (new flooring, appliances, and paint), so last year’s P&L reflects more of a stabilized-operations scenario.The utilities figure is accurate — it’s higher due to being master-metered for the property — but the other OPEX categories are slightly understated if you were to underwrite this as a fully managed, third-party operation.If I modeled it using a professional management assumption plus normalized reserves, the operating ratio trends closer to 48–50%, which aligns with what you mentioned for coastal STR multifamily.I appreciate you calling that out — it’s a great reminder of how much variance there can be between owner-operated and institutional-style expense reporting, especially in hybrid STR assets like this.Here's the owner's profit and loss statement for the exacts of the 2024 year.

On another note, on a small scale, Best Buy third party installers are hitting people for permit feels on point of delivery.

You're right, that part is key!

Many companies charge a markup on 3rd party vendor maintenance, the idea is that for nicer homes with less problems, you pay for less time for the PM to oversee it, and the older properties with more problems pay for their fair share of time.

I previously used free services like Cozy (before merging with Apartments.com) and Rentler ( before merging with another company and charging fees for ACH payments) but now I use them as an all-in-one PM solution for the most part.

A little late to the party on this one, but hey, congrats on having a property that cash flows and low interest rate - you must've jumped in at the right time.

Client is a disqualified party so has to be non-recourse.