A decline in revenues is forcing hotels into foreclosure. The aggressive deals being used to lure guests onto a property is helping to bring in some revenue, but it may not be enough. Occupancy is down 10%, which has sent hotel mortgages into delinquency faster than the rest of the commercial real estate industry.

And it could get worse next year. An oversupply of guestrooms could keep room rates low, making 2010 a high-risk year for hotel foreclosures. Demand should gain 1.6%, according to hotel research firm STR Global, but average room rates are likely to fall 3.4%. The result would be the greatest spread between demand and rates in the 20 years STR Global has been collecting data.

Can't stand the thought of leaving your loved one behind while you travel? Is your pooch pal a bit too paunchy? These dilemmas are business opportunities eagerly embraced by American business.

For example, Bringyourpet.com is a web site that will help you find hotels that welcome both you and your closest companion. I did some research and found:

Planning a trip to NYC? The Hotel Pennsylvania in Manhattan allows up to four dogs per room at $25 each.

The Crown Plaza Union Square in downtown San Francisco offers its luxury accommodations to pooches under 30 pounds.

But neither matches the welcome of the Hotel Monaco in Chicago. Its special PAWS Pet Package includes --

• A welcome letter from Stevie Nix, the Hotel's honorary dog mascot
• For dogs, a doggy bed and bowl and a welcome treat at check-in
• For cats, a bowl, a disposable litter box and a special kitty treat at check-in
• Ten percent of the proceeds donated to PAWS (Pets Are Worth Saving) Chicago
• The Hotel concierge staff also arranges pet walking and sitting services along with day care, grooming and spa services

Additionally, the hotel offers Guppy Love, a complimentary goldfish to keep the guest company during his stay.