Some strategies to get around are:1. leverage your current portfolio and buy in cash, increase value, and then refi2. buy Multi-family so your ratios aren't the main factor to lenders3. get in with a lender for high net worth individuals4.

85LTV ask on a LTR rental is a tough ask, when adding an STR factor, nearly every lender will reduce max leverage by 5%. 

There are too many factors to consider to just provide base rates for what you're asking. 

Is that factored in?

Also, what would you consider the most important factor when choosing a company?

Taxes, costs, eviction complexity, etc are going to be a much bigger factor in your success than anything else.

@Eli Fazzo, Almost every location is going to have some surprises that you just have to factor in when looking at investing in real estate. 

There are still other factors to analyze before making that decision.

Factor it into your cost and decision. 

The biggest determining factors for STRs in the area are purchase or build price (and associated mortgage) vs rental expectations, that will help you determine net cash flow.