The program my mortgage people use literally has an entire section devoted to "here is the average AirBnB for a house that size in the area and how long doing so will it take to pay your loan off." Would cut over 20 years off my mortgage.

Problem is, a lot of the reason why landlords need more money and less red tape is because the government is constantly jacking up the cost of everything (sewer, water, property taxes) and then increasing the legal protections squatters have.

So its a problem that the government is exacerbating into a catastrophe that even decent moral people trying their best cannot deal with without succumbing to the cancer.