It is considered to be a premium brand.

Is a roughly 3% premium to Treasury's typical for a commercial/DSCR loan? 

Some of these will have buyer premiums over the top of your sales price and almost all will have limited inspections.

I charge a premium and as such, expect things to be a bit nicer and feel okay saying no discounts for people shopping for discounted stays as there is a reason I charge more than my competitors.  

Keep in mind not a lot of people are willing to do the shorter term rental so everything is negotiable and they will pay a premium. 

But yes it is risky, and that's why you pay a premium for it. 

I have a premium condo in Dubai that cash flows $10K per month and price is less than $1M.

Assuming the insurance premiums don’t significantly impact my cash flow (which is one of my primary goals), how do you assess the risk of taking out a loan under my personal name versus opting for a commercial loan that requires a larger down payment and comes with a higher interest rate?

what premium do you get doing the mid term rentals .. 

It may interest you.Best wishesI excluded duplexes because at least in the SF Bay Area, SFR earn a premium on sale over Duplexes, and duplexes get higher price/sq ft over 3-4 units.