Is that why your operating expenses are nearly 40%?

Until you don't -- like when you have a big claim and it's denied for violation of the policy terms.You're essentially operating a 1-unit hotel and you really, really want a commercial policy for it. 

Most operators post on multiple STR OTAshttps://www.biggerpockets.com/airbnb-calculatorGood luck

Yeah, you legit with every post continue to show us you have no clue how the world works.100% of people who lose their job don't own their houses, 100% don't sell such houses when they lose their jobs.   

This allowed me to control renovation costs, streamline operations, and accelerate my investment growth.

Nice Job! 

I know we generally talk about redlining in terms of access to mortgages and other financial instruments, but doesn't NAR have some policies around it too and how real estate agents operate around the topic?

There l also learned to do commercial job take offs and estimating. 

Depending on the way their company operates, you filing your property as an investment on your taxes may be considered an issue for them depending on how stringent they are.

Does your company only operate in Memphis or plan to expand to other markets?