DSCR, Break even occupancy, cost per square foot or per unit, gross rent multiplier, expense ratio, etc. 

Allstate’s been great in Vegas and you get many discounts for multiply policies and lack of claims on rental and personal insurance. 2 x $30k claims in 20 years.

Multiply that by $250k per spouse.

Multiply 1.07 times the new amount.  

So for that I would use AirDNA data to figure out the average length of stay and occupancy rate for the market, use those numbers to get a rough estimate of how many stays per year, multiply that by the typical cleaning fee for your market, and then you have a yearly fee number to add to your total revenue from AirBnB so it is comparable to AirDNA's number.

Gross Rent Multiplier ? 

For an $800k house you may need to multiply that monthly property tax number by 5.

So you would take 88% (the LTC number you were using) and multiply it by the $160k. 0.88 x 160,000 = $140,800.

This is a general rule to start at, and used for average priced homes.You take the ARV of the house and multiply it by 70%.

You're doing this the traditional way and for things like an investment loan on a property, they will charge more interest on youDSCR- this is typically used for commercial due to the NOI and that's because when the bank will underwrite the property it's more focused on how much money the property will make and typically they'd go for at least a 1.25 multiplier AT LEAST or more due to the current market conditions