Steal from SB is 40% over 50 hands (not sample). Most players at those limits play very fit or fold, so I can't see the reason for anything else but calling

A bad gutshot and a K hi FD. I talk myself into calling due to implied odds and having position, which would help extract some value does the flush hit.

Probably the most confusing street in this hand for me. At this point Villain is no longer holding sets, nor has air. After the K hits OTT, my equity versus many combo draws that would GII OTF increases quite dramatically. It was really hard coming up with a range that VIllain would play like that, but I thought that

1. I'm either flipping versus some 2P+gutshot/lower heart fd or Pair+some sort of wrap
OR
2. I am way behind vs AAhh which he could play exactly like that (potting pre, potting OTF, betting less OTT fearing 2P(?)).

And since I have the heart FD decided to call just cause of the pot odds and scraps of IO.

Completely confused, dont know what to think about villains hand. However I believe, its a pretty clear fold, taken villain is unlikely to bluff