As long as your primary residence on your drivers license is updated correctly and you fill out this new residence as primary application, it may be no problem.

The only good use I can see of the fees are based on rent charged would be for a tenant to purchase it and charge themselves $0 or near $0 rent to avoid the rent based charges. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

I’ve had great experience with private landlords in the past, and have found fellow pet lovers that didn’t charge pet rent, or accepted my larger dog (when he was alive) to live in an apartment without hassle.

A very prominent loan officer in NJ was charged recently for helping borrowers do just this. 

What is on the insurance application that you signed? 

Some of these bookings we get through marketing partners who build these relationships and charge referrals fees for finding the housing.

For me in 2023:No LLC’s, 12 properties in 2 states, only 1 state income tax, no w-2’s, a pension and a 1031 exchange.I was charged $1,275, up from 2022 when I was charged  $1,175 but didn’t have an exchange.

However, it's important to note that this is only applicable within the city limits.

You should never pick your 1031 Exchange Qualified Intermediary based solely on their 1031 Exchange fees, costs and charges or the size of the institution.