These items are not customarily added, they may cause damage or an unsightly appearance if removed.

Many properties were overpriced, in poorly performing neighborhoods, or had very undesirable characteristics impacting the deal.

While some deals that lack one, or even more of these characteristics do get funded, the chances of a successful capital raise are greatly enhanced when these are present.

To clarify, there is no neighborhood or area that has those characteristics.

So, talk to your adviser/broker about DTI and the rate add-ons for the different types of collateral characteristics in your planning.

Examples of deciduous trees include maple, oak, dogwood and hickory trees.One of the most appealing characteristics of a deciduous tree is the change in leaf color before the leaves drop.

If my property is a piece of shined up you know what, I'm going to pay in the form of net proceeds reduction but, if my property looks the same, is in the same condition and has the same characteristics as every other home on the open market, mine is going to sell at the same price the other ones are going to sell it.

As mentioned previously in this thread, I think the biggest one is the condition of the property which is very hard to analyze using ML or other property characteristics that are hard to extrapolate from the available data.

The purpose of an LLC is for an entity to meet the legal characteristics of a C corp and the pass-through characteristics of a partnership. 

STR has several characteristics that  the traditional policies don't cover:Sometimes you live in there, sometimes a paid guest (a short term tenant) and sometimes it's vacant for a while.Tenants change often and they are new to the place, increasing both risks of damage and accident to themselves.Landlord runs an ACTIVE BUSINESS when running a STR (commercial policy covering loss of business among other stuff).Another aspect to consider is the workers' comp.