Insurance bookings often pay much more than what you can get from typical Airbnb guests.Yes, use your lease.

There's a lot for sale as well, and a lot for lease.

Meaning the at the end of the lease, the tenant has the option to buy (but not the obligation) whereas the seller has the obligation to sell if the the buyer chooses to buy (works just like selling stock options!)

Until I had my own I just used the state long term lease agreement.

The security deposit should never be used for anything during the lease.

There is no differential factor number, however, it will change if you are buying tenant occupied, if they are are going to be vacant at closing, if they are going to stay the full lease or you have to pay cash for keys.

Consider auto loans, inventory, commercial paper, annuities and even RE and equipment leases.

Even if there isn't a lease in place, underwriting can use market rents from an appraisal to qualify.

Now leased to market, under 4% vacancy/bad debt, and RUBS implementation.

My first tenants were paying ~1,600/month and current leases are climbing towards $3,000 a unit.