It is just my equity pool will now be considerably smaller. 

My caretakers told me the other day all of their other properties had the same experiences last year, and the ones that did book a little better were mostly short-stay guests and there was considerably more wear/tear/cleaning work on those properties.  

When we will expand we will take it into consideration.

I especially like the consideration on being very specific about my niche.

I've seen folks buy and not take these into consideration just thinking they can buy and rent it out and print cash only to end up paying every month because the property doesn't cash flow.  

These are some of the things you need to take into consideration https://www.biggerpockets.com/forums/517/topics/1268634-how-... 

The mortgages on them have been paid down considerably and they were all refinanced when interest rates were low, but did not have any equity pulled out, just got the lower rates.

The first consideration should be cash flow: how much income it can generate versus acquisition, financing and maintenance costs.

I work in mortgage lending and spend most of my time helping investors and owner occupied buyers think through financing strategy, not just rates.A large portion of my experience has been with self employed borrowers and clients who own multiple rental properties, so I’m very familiar with more complex income scenarios, portfolio considerations, and structuring loans to support long term growth.I recently joined a newer lending platform that’s intentionally focused on clean execution, upfront documentation, and minimizing friction for borrowers and agents.

Financing terms can directly affect how properties are managed — from reserve planning to renovation timing.
Property managers and owners: how much does loan structure influence your operational decisions?