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👁🗨 Sesemi STR Hot Sheet | 📲 STR Mortgages
Dear Sesemi STReet,
Just in time for what is certain to be a intense 2026 STR market - we are very proud to share our first article as a FEATURED BIGGER POCKETS contributor was also today’s BP headline article:
Bonus: We can STILL help you cross the finish line on a lucrative STR (confidently) with a truly transferable permit.
📲 Skip the articles and shop directly at our exclusive STR HOT SHEET. Updated daily and featuring 100+ active and off market vacation rental properties for sale. Search 24/7/365 at www.sesemisheet.com
🚧 The Great Split: Understanding the Bifurcation of the U.S. Real Estate Market
With increasing discussion over the bifurcation of the US economy and the concentration of economic contributions by the affluent - we wanted to expound on some of the subtle splits in the US Real Estate market over the past three years. The housing market has quietly fractured into two very different realities. Instead of one national market moving in sync (think pandemic era boom) we now have a bifurcated environment driven by mortgage rates, regional economics, and demographics. Understanding this divide is crucial for investors, brokers and anyone waiting for “the crash” that has yet to arrive.
Locked-In Owners vs. Active Buyers
Roughly two-thirds of American homeowners hold sub-4% mortgages. They’re staying put. Inventory remains historically thin, and that shortage keeps pricing elevated in many regions—even where demand has cooled.
On the other side, buyers entering today’s market are absorbing twice the borrowing cost for the same home, reshaping affordability and shrinking buying power. The result: a frozen top layer of the market sitting above a strained active layer.
The US Administration is actively ‘exploring’ options to loosen lending standards such as the 50 year mortgage and mortgage portability, essentially allowing low rate borrowers to keep their mortgage and ‘port’ to a new property, similar to US cell phone plans.
Well capitalized investors could also explore mortgage assumptions, which are occurring with increasing frequency. In fact, we were recently able to assist a multi family investor assume a pandemic era $3M+, sub 4% loan on a 20+ unit property that the lender worked overtime to facilitate.
The Affluent Buyer Market vs. Everyone Else
Sales growth remains concentrated at the top of the market. Homes over $1 million saw a year-over-year jump of more than 16%, and properties between $750,000 and $1 million rose 10%. In contrast, sales between $100,000 and $250,000 inched up only about 1%, while sub-$100,000 homes declined nearly 3%.
Our forecast for 2026 & 2027 is for the luxury single family, second home and short-term rental markets to be exceptionally strong as a result of tax incentives, diversification and profit-taking from equities and an anticipated reduction in mortgage rates and the end of quantitative tightening (with the potential for easing).
What This Means for 2026 and Beyond
The U.S. market won’t “correct” uniformly. Instead, expect:
Strong appreciation & demand in second home and STR hubs
Flat or declining prices in shrinking metros
Continued single-family demand at all levels
Pressure on overbuilt multifamily and basic new construction
More uneven, hyper-localized pricing cycles
As the old adage goes: Real Estate is about location. Understanding localized market conditions and financing options will be essential to successful real estate investment in 2026 and beyond.
🟠 Need a mortgage? Visit LOAN FACTORY and NMLS Mortgage Broker Mr. Joseph Chiofalo my trustworthy go-to loan officer of 20+ years. His 50+ Five Star Reviews often speak for themselves.
📉To compare your current Pre-Qual, Loan Scenario, Refinance options or get Pre-Approved visit Joseph’s page directly or contact us for further details. Better rates, lower down payments, higher loan amount qualifications and efficient service have and continue to be difference makers for investors!
Featured Property:
361 S Prom #502 Seaside OR | 3 / 3 1666SF - Oceanview Penthouse.
🎣 15 MORE STRs For Sale:
250 SE Coast Guard Hill #2 Depoe Bay OR | 2 / 3 1561SF - Townhome. HOA permits STRs. Asking $370,000
245 S Dolphin St Rockaway Beach OR | 2 / 1 616SF - Active STR with transferrable permit. Asking $374,000
1540 NW 20th St Lincoln City OR | 2 / 1 768SF - Beach cottage. Zoned for STR outright. Asking $415,000
29730 Hillcrest St Gold Beach OR | 3 / 2 1812SF - Oceanview home zoned for STR usages. Asking $430,000
1420 SW Fairway Dr Waldport OR | 3 / 2 1408SF - In town home STR eligible. Asking $450,000
145 N Dolphin St Rockaway Beach OR | 2 / 2 1020SF - Active STR with transferrable STR permit. Asking $525,000
3680 NE West Devils Lake Rd Lincoln City OR | 3 / 3 1194SF - Lakefront Townhome with Residential-Commercial zoning. Possible waitlist*
150 SW Maple St Waldport OR | 3 / 2 1343SF - Bayfront manufactured home. Eligible for STR usages. Asking $595,000
180 NW Huckleberry St #6 & #7 | 4 / 4 1692SF - Brand New Construction and sold furnished. STR eligible. Sold #5 @ $605K with 2% seller concession. Asking $619,900
322 Del Norte Ln Brookings OR | 3 / 2 2492SF - Riverfront home eligible for STR usages. Asking $879,000
2685 SW Beach Ave Lincoln City OR | 4 / 3 2646SF - Active STR in Olivia Beach. Asking $949,900
84284 Alder Dr Florence OR | 3 / 3 2414SF - Lakefront active STR.
2685 SW 54145 S Beach Rd Neskowin OR | 3 / 3 2500SF - Luxury Ocean View Active STR with transferrable permit. OFF MARKET - Asking $1.6M *Ask for Projections
4580 Fairway Ave Gearhart OR | 4 / 4 2680SF - Oceanfront estate. HOA permits STRs. Asking $1.695M
19130 Alder St Rockaway Beach OR | Twelve boutique oceanfront STR units. Asking $2.5M
BONUS: IN HOUSE LISTING - 12 Unit Riverview Boutique Motel in Florence Oregon! Impeccably maintained, operated and consistently profitable -this impressive turnkey property is primed for continued success. Seller Financing Available. Asking $1.997M
👁🗨 Our exclusive STR HOT SHEET is updated daily and features 100+ active and off market vacation rental properties for sale. Search 24/7/365 at www.sesemisheet.com
🏄🏽♂️ Why use an STR-focused broker
We specialize in licensed, zoned STRs, 1031X timing, and turn-key luxury sales so investors save time and capital.
$25M+ in STR sales closed along the Oregon Coast & beyond; we underwrite revenue, compliance, and operations—not just comps.
Our HOT Sheet tracks 99% of eligible STRs so you move smart.
🪄 HOT Sheet: 9 of 10 of our STR sales are first found on our exclusive and invite-only cheat sheet: Request access and visit sesemisheet.com
Thank you for reading this week’s edition of Sesemi STReet your premier information source for vacation Rental and investment property insight throughout Oregon & California.
Anthony AJ Wong
Licensed Oregon Real Estate Broker | NMLS Mortgage Broker
Sesemi | STR Brokers powered by Fathom Realty Oregon + Loan Factory
📞 541-800-0455
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License #201231202 | FL NMLS ID: 2297941
P.S. As a licensed NMLS mortgage broker with Loan Factory - utilize our industry leading pricing tool for mortgage options anywhere in the country. Our loan system is designed for busy professionals that demand transparency and efficiency.
