We network, have round table discussions, as well as provide small presentations on various topics. 

However, I still learned a lot since short term rentals have unique insurance needs that aren't always met with traditional policies.

Makes sense to me, but lots of arguments at closing table between title and purchaser/seller on who needs to sign.   

It’s a very unique situation, but looking for some guidance!

Make a table and compare, as interest rates and years of fixed vs variable rates will be all over the place.  

For your client's cash-out refinance on an adult family home in Washington State, it would be helpful to reach out to lenders who specialize in DSCR loans, especially those experienced with unique property types like adult family homes.Contact Local Lenders: Start with local banks and credit unions in Washington that offer DSCR loans, as they may have specific programs tailored for adult family homes.

However, I just checked a national underwriter's manual, and it appears CD's are insurable, but there are criteria unique to them. 

It's only 3.5% down + closing costs and reserves.Work your day job, mow lawns, leaf cleanup, shovel snow, flip furniture, pick up night shifts waiting tables/bartending, stock shelves at home depot overnight if you hate talking to people or anything else.

With so many options on the table, you can afford to negotiate for the best deal."

Although there are best practices, everyone prefers to set it up with their own unique flavor.