It could be a Conventional loan where all lenders will be uniform or DSCR loan which every lender is going to be different. 

Not paying debts (in this case a lease) is punishable under the Uniform Code of Military Justice. 

The loans follow guidelines that are uniform across lenders.

Almost uniformly, a lender is not going to take 6 months an annualize it for an STR, and will only do an actual 12-month history for qualification (this is primarily due to the seasonal nature of most markets, so it would be unrealistic to project if it was the "6 month on season" or "off season". 

Borrower agrees that until this Note is paid in full (including principal and interest, if any), this Note will be secured by a separate security agreement (incorporated here as Attachment __[fill in]__) and, if applicable, a Uniform Commercial Code Financing Statement, giving Lender a security interest in the following property: _________________________[describe asset]___________________________[End Alternative B]6.

This client went online and bought a policy for "a lot less" from a big name carrier with a snarky mascot with a 3 letter name tag and usually wears a white uniform.

The powers that be, at the investor office, have a set of guidelines which deal with the details borrower and property must adhere to and in some instances give guidance on how things are treated in order to create a uniform approach to extending credit (for the borrower) and making an investment (for the investor).

How or why the HOA sets those prices is beyond me, though it is uniform for any tenant in the building that needs those replacements.

@Wayne BrooksI do think she is uniformed, as am I. 

This comes from uniform laws concerning installment sales, but some courts may hold the contract at a higher standard as a breach of contract, but not many.