You may want to look at concessions to help cover costs or buy down your rate to a comfortable payment. 

Use a reputable expert like @Dave Foster and you’ll be covered.

One thing I'm trying to do is to test different cover photos to see which ones draw a greater % of click-thrus (which seems like a reasonable thing to test).I'd like to be able to view the Airbnb stats to see, for each cover photo I test, things like what % of people click through on it.

That did help me get a clearer picture of the full process.

Are you trying to afford a house much more expensive than your W2s could cover? 

Quote from @Jacob Kurian: The pictures didn't make it.Sit down and contemplate what could be happening.

However, every insurance company has no idea what I'm talking about and don't seem to cover this.

There is also parking per unit and impervious cover that could be an issue.

Also when it came time to pick the finish products (tile/stone/fixtures/etc) I would request getting the manufacturer, the model #, sku#, picture if possible...everything.

A picture is worth a 1000 words and a project we helped someone on in the UP was able to gain support and approval by getting renderings done showing what the finished project would look like.