In many other states, the second home is a vacation home. In Florida, the second home is usually an income-producing thing.

Travelers increasingly turn to vacation rental homes as a home away from home for their vacation accommodations.

Travelers increasingly turn to vacation rental homes as a home away from home for their vacation accommodations. Unlike hotels, vacation rental homes offer so many other advantages -- from fully equipped kitchens and plenty of bedrooms to private pools and media rooms.

We've seen a definite increase in clients who just enjoy being in snow country. They've discovered that a resort vacation in the mountains offers a lot of things and that air travel is often a lot cheaper in winter than in summer.

Someone is going to subsidize the home ... and it is going to be the market-rate home buyer. Middle-income families are effectively squeezed out.

We need more jobs, and this could help bring in more jobs. We're on a fixed income, so (not increasing rates is) important.