I would also check the HOA rules as it is likely prohibited.

The hot tub was just for the luxury of having it, but we justified the purchase by increases the AirBnb nightly rent.

DSCR Loans are generally tied to the 5 year treasuries (granted not much of a diff) - and yes, spreads are a little elevated recently but that is good rule of thumb 2.5%-3% over. 

Have you read the OREC rules from top to bottom?

I couldn't justify the extra cost by outsourcing until I tried a large mailing myself.  

Fees should be clearly stated in writing, easy to understand, and justifiable.

As a general rule of thumb if the property has a ground level commercial requirement in order to show sufficient hardship to seek a residential use change the property should be located in a location that is not conducive to commercial use i.e residential street, close but not as marketable as properties located on neighborhood's primary commercial corridor etc. 

Akron is not LL friendly, they were the first in NE Ohio to pass a rental registration ordinance (in the 90s), in 2021 added source of income as a protected class - so you can no longer rule out S8 applicants, and passed STR registration last October (and nearly a year later still haven't been able to enact anything).  

If separate water line services for each unit weren't part of your original scope of service, then they are justified in asking for additional payment to redo the plans.

It is very important that you solidify comparable sales in the area to justify the higher value and request a reconsideration of value if this is possible with your lender.