Bob Schmidt, 61, is the co-founder of a New York City-based financial-technology company, The Guarantors. A lifelong New Yorker, he moved to Cape Cod with his wife in January 2021 when work was fully remote, but shortly after began commuting into the office for a few days at a time, once every three weeks. He’s thought about buying a small apartment to use when he visits, but he crunched the numbers and realized it would cost much more than his hotel bills. And it would also force him to commute to the same neighborhood.