I'm doing this for a sale that includes a short-term rental permit in an area where they are tough to get while the STR pool is decreasing and the STR market continues to increase.

To clarify that statement, the investors with the wrong business model purchase the wrong properties when they pay purchase properties that have the potential to decrease significantly when the market dips like back in 2008 to 2010 and those investors lost money ONLY BECAUSE their mortgages were upside down, they panicked and let the banks foreclose and take over their properties.

Here in Fargo, ND, rental prices have already started decreasing with winter right around the corner.

In these situations, I've found that the HOA fees don't decrease my maintenance or CapEx at all, so they just hurt returns. 

Board assigns master insurance to buddy (this decreasing as insurance providers are pulling out of residential in CA and FL and anywhere that has claims.

Houston tx location. gas stove and gas heaterI would look at what your electricity bills are and increase or decrease based on number of adults living in the property.

You can actually decrease your debt ratio by buying a rental property assuming it gets enough in rents that after the 25% vacancy factor and subtracting the PITI, you have a positive number.

Typically once road work improvements are complete for your area it is a benefit unless the traffic is diverted away with the improvements from your road decreasing traffic in the future or making the road wider will have the DOT take part of your land adversely impacting what you can fit on the site.

I am sure that people that bought in more speculative areas saw the more dramatic decreases that you describe but that is to be expected. 

unless you have some rentals by the end of the year, I am not sure how having REPS status will help you in 2023.A Flip by the end of the year(normally considered active income) will not decrease your taxable income unless you operate at a loss(which you likely don't want to.