Commercial Revenue Generating properties like office buildings, apartment buildings, retail centers, etc (banks call it "CRE" lending) are typically evaluated from their net operating income, not gross.

In addition, we pull our own comps and use Lightning Docs to generate our loan documents.

this works well if the tenant is a national user or multi unit operator who has built these buildings many times. 

I’m starting a wholesaling company based in Wyoming and interested in operating in Texas and Florida as a start.

Many wholesalers rely on strong leads and can be found through consistent outreach efforts.4.Leveraging Virtual Assistants (VAs):If you’re building your team, think about hiring a VA who specializes in real estate lead generation and research.

If STRs become less profitable, you need to ensure the property can still generate positive cash flow with a traditional lease.

Or is it a situation that the company insuring the property has not obtained appropriate licenses to operate in Ohio, therefore I won’t be covered in case of a disaster?  

(Usually results me less than $10,000 out of pocket on the front end) I am pretty sure wether operating independently or partnering with someone using their loan it would be the same terms.

If it's going to be a bonus space for your rental, or you want to keep a very unique and vintage vibe going, and it's not operational (say it's a gas fireplace and you cut off the gas to it) then it could stay.

Yes BofA is all over the country but if you go to your local branch it's pretty likely that loan officer and/or office wouldn't be licensed to operate in another state.