Track second home ownership in US vacation markets. Report only confirmed, source-backed items from the last 7 days: vacancy, empty home and second home tax proposals and adoptions in resort towns and counties; short-term rental caps, moratoriums, license lotteries and fee changes by destination; Fannie Mae and Freddie Mac second home loan pricing, down payment and occupancy rule changes; insurer withdrawals and rate changes in coastal and mountain counties; property tax reassessment results in vacation counties with percentage changes; and resort, HOA and amenity fee changes in major destinations including Vail, Aspen, Park City, Lake Tahoe, Cape Cod, the Outer Banks, Hawaii and Florida beach towns. Prefer council minutes, county assessor, GSE, insurance department and established real estate reporting; ignore listing marketing. Put the destination first in the title. Use high severity for a tax or rental cap vote within 30 days, a lending rule change, or an insurer withdrawal. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, which properties it affects, the date, what owners should do, and the source link. If nothing qualifies, push nothing and submit the run receipt.

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