For mid-term, once we have a tenant in place, we charge a leasing fee (between 10-50%, dependent upon the lease duration) for the first month along with a management fee of 13% of the monthly rent.

I would think a lender views the STR as a higher risk simply because a long-term tenant has a defined lease in place, that is usually 6 months or more in duration.

PML depending on the time duration of the loan will either be passive or active income.

I will record a collateral assignment of the mortgage with the county so the lender has good collateral with lots of equity during the duration of the loan. 

This exclusive buyer agency/agent contract is also restricting the buyer to only one agent until the contract ends which I think is unethical, the buyer also seems to have no right to choose how long(duration) the contract can be which I think is unethical too. 

According to State statue 509.032 (b) A local law, ordinance, or regulation may not prohibit vacation rentals or regulate the duration or frequency of rental of vacation rentals.

However the request, duration, needs, seem odd to me. 

The Mortgagee must obtain a lease agreement of at least one year’s duration after the Mortgage is closed and evidence of the payment of the security deposit or first month’s rent.

The airport has been approved for a very expensive, long duration upgrade.  

If approach vendors from a 1-sided mindset of looking to squeeze as much out of them for the absolute minimum $ possible, that is called a parasitic relationship, and your only going to get parasites of vendors working with you in any duration.