Looking for ways to create more passive income for myself.I guess an additional question is how profitable should I expect a short term rental to be in that area? 

That's a real bait and switch scummy thing to do, but I guess I shouldn't be surprised these days. keep in mind this is not usually bait and switch it could be and they are not being scummy.they simply are at the whims of thier senior credit facilities wants and needs..

My guess is there entire client pool are one and done investors from out of state. 

My initial guess would be look at 1 bed 1 bath rentals in the area but is that the best way to estimate?

Our commercial loans are also with them so it would be great if all of our loans were in one place, but in order to refinance all of our loans with them now I’m guessing we’d sacrifice a few points on some of them and have higher payments impacting cash flow not to mention a lot more interest paid over the term of the loan which makes refinancing a non-starter unfortunately.

If you pool them you’ll be “guessing” at each individual value.

I would have to guess that a lot of single property owners won't show up on their lists.

However, I'll never second guess what my well-connected and trustworthy contacts on the ground tell me, especially if it's very (negative).

I'm guessing not or your revenue should be significantly greater. 

I guess the next step would be to find lenders in my area that offer these types of loans.