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đâđ¨ Sesemi STR Hot Sheet | đ˛ STR Mortgages
Dear Sesemi STReet -
Welcome to October! Sesemi STReet has a new look and easy to recall & share home: www.oregonstrs.com
Itâs been quite the eventful marketplace for STR investors this year with (the anticipated) return of the STR Loophole, falling interest rates and investors intensifying asset diversification - vacation rentals have never been hotter or more necessary for strategic investors.
This episode weâre diving a bit deeper into accelerated depreciation and sharing some strategic leverage scenarios and tools to improve invest-ability and cash flow.
âď¸ With almost no time to spare we can help you cross the finish line on a lucrative 2025 STR (confidently) and with material participation to spare! Test our proven STRrategy - and median introduction to contract of 30 DAYS!
đ A cost segregation study lets you accelerate depreciation on a property.
Depreciation is the IRSâs recognition that buildings wear out and must eventually be replaced. Normally, you deduct the buildingâs value over 27 ½ or 39 years. A cost segregation study, however, identifies portions of the propertyâlike furniture, lighting, or cabinetsâthat can be depreciated much faster. Combined with bonus depreciation, this can front-load a large deduction, sometimes equal to half or more of the propertyâs equity in Year 1.
The catch: for most investors, those deductions can only offset real estate income, which often isnât large enough to absorb them early on. Unless you qualify to use depreciation against your ordinary income, much of the benefit is wasted. There are only three ways to do that:
1. Selling at a loss (not ideal).
2. Qualifying as a Real Estate Professional (750+ hours a year in real estate).
3. Using the Short-Term Rental Loophole, which can work with as little as 100 hours annually.
The takeaway: a cost segregation study only makes sense if you can actually use the accelerated depreciationâthrough REPS or the Short-Term Rental Loophole. Otherwise, youâre better off saving the money for your next investment.
đĄ Mortgage Options & Tools
With elevated prices and demand and coastal STR inventory persistently low, investors often must pay slightly above their targeted investment commitment to acquire the property of preference. To off-set, soften or improve metrics there are several strategies and tools borrowers should be familiar with:
Seller Concessions & Credits - Powerful tools for enhancing cash on cash returns, reserving capital for improvements, reserves or furnishings or outright better interest rates and lower payments. Credits can be negotiated before or during contingency periods and most investment properties are eligible for up to 2% of the sales price as a seller contribution.
A.R.Ms - If interest rates trend as anticipated, an adjustable rate mortgage is a viable option that can provide borrowers with greater buying capacity and lower interest contributions. What is an A.R.M.? It is a loan with a fixed interest rate for a defined period (2-3-5-7-10 years) and then adjusts based on the margin and index (usually higher). The catch? The loan eventually needs to refinanced or satisfied..The data? Most investors donât stay in the same loan longer than seven-ish years..even if they own the property longer.
Interest only A.R.Ms - provide lower mortgage obligations with improved cash-flow. The catch? No principal payments. The data? Amortization schedules front end load interest meaning over the first 3-5 years there is a very small percentage towards principal payments - and âI/Oâ loans donât restrict principal obligations but they provide the âoption.â Borrowers should have a clear understanding of these loan products before committing but are underutilized in todayâs real estate transactions.
Shopping Lender Specials & Scenarios - Itâs not always who you know, but what and when that can make the mortgage difference. Mortgage rate shopping is notoriously annoying and time consuming and difficult to obtain accurate rates or terms without an abundance of calls, credit checks and inconveniences. There are evolving services, but AI hasnât quite replaced the experienced mortgage broker yet..One tool that has transformed efficiency of analysis and financing options for my investors is our recent strategic partnership with:
đ 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.
đ˛ WHY SO GOOD? The system empowers borrowers to transparently compare rates in real time - and highlights lenders with monthly specials or preference for your state, loan amount, credit and intention. I have seen significant savings in proposals - sometimes enough to make non-deals make investment sense. Their slogan is âDare to Compare!â
Live rates and costs 24/7/365
Select closing cost or credit
Client-friendly interface (really!)
Nearly unbeatable rates and breadth of programs
Creative and custom lending solutions
đTo compare your current Pre-Qual, Loan Scenario, Refinance options or get Pre-Approved visit Josephâs 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:
37052 Brooten Hill Rd Cloverdale OR | 4 / 3 2106SF
Water view property with transferrable STR Permit.
đŻ 16 MORE STRs For Sale:
5201 SW Highway 101 #212 Lincoln City OR | 1 / 1 684SF - Water view condo with STR permit. Asking $379,900
43390 Little Nestucca River Hwy Cloverdale OR | 2 / 1 1424SF - Active STR with transferrable permit. Asking $429,000
2631 NE Quay Ave Lincoln City OR | 2 / 2 798SF- COmmerically zoned for STR usages. Asking $434,900
1333 NE Keel Ave Lincoln City OR | 4 / 2 1648SF - STR usages permissible outright. Asking $438,000
2222 11th St Florence OR | 3 / 2 1666SF - Near old town. Vaulted ceilings. Asking $479,000
1590 SW Fairway Dr Waldport OR | 2 / 3 2469SF - Large home with bonus & sunroom. Asking $515,000
68323 E Twinberry Loop Welches OR | 4 / 3 1950SF - Mt Hood Area home with no HOA. Asking $515,000
7850 Pine Beach Loop Rockaway Beach OR | 3 / 2 1428SF - Active STR with transferrable STR permit. Back on market. Asking $590,000
280 NW Huckleberry St Waldport OR | 4 / 4 1692SF - REDUCED New construction town-home. Eligible for STR usages. Asking $619,900
611 SW 17th Way Lincoln City OR | 2 / 3 1584SF - Turn-Key home in Olivia Beach zoned for STR usages outright. Asking $699,000
88426 2nd Ave Florence OR | Oceanview home with $90K in Gross annual income. Asking $749,500
56060 Wheeler Rd Bandon OR | 4 / 3 2867SF - Country home with private pond. Eligible for county STR permit. Asking $799,000
1560 S Edgewood St Seaside OR | 3 / 3 1849SF - Constructed in 2022. Active STR. Eligible as of 8/15/25. Asking $799,000 - Exceptional home. Request photos*
1080 NW Norwood Dr Waldport OR | 4 / 4 2878 - Large water view home within city limits eligible for STR usages. Asking $849,000
4838 Lake Blvd Westlake OR | 3 / 4 1884SF - Active Lakefront STR. Sold furnished. Eligible for new permit* Asking $975,000
79519 Ray Brown Rd Arch Cape OR | 5 / 5 4807SF - Magnificent ocean view estate. County STR eligible. Asking $1,899,000
đâđ¨ 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
đđ˝ââď¸ 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 operationsânot just comps.
Our HOT Sheet tracks 99% of eligible STRs so you move smart.
đŞ 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 weekâs 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
đ 541-800-0455
đ My Website | đBigger Pockets Feature Agent Profile | đď¸Book 15 Minute STR Consultation
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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.
