It is basically like a wiki page for our company.

If you do have enough other income then you dont even need to lease out this property to start your refinance.However if you dont have enough income to qualify with no rental income offset then yes you will need to obtain your lease(s) and security deposit + 1st months rents deposited before you can utilize 75% of this gross income - your monthly PITIA payment (in terms of qualification on this property refinance.So all in all Id make sure what your current debt to income position is first of all (DTI) and then strategize to see if you even need the leases at all.

Would it be wise to buy the land with cash we have or utilize as down payment to avoid PMI?

@David OhCreating a profit-sharing program is a great way to align employee goals with the company’s success, but it’s crucial to design it carefully.

Rentrange uses data from large property management companies just like mine.

Quote from @Dawn Harris: We have a STR managed by a property management company.

I would ask the insurance company for more documentation on the reasoning. 

You can try Rhino or Qira, but these are ventured back companies. 

I've had 14 SF rentals in 6 different states, using 6 different management companies. 

the insurance companies are not charities; they deserve to make reasonable profit for providing the insurance.