In my case, the bank would refinance immediately at a specified LTV of either the purchase price or appraised value, whichever was less.

Whichever way you go, I agree with Greg that you and the tenant should put it in writing and sign! 

New Construction ADU, Attached: Parcel size less than 1 acre: 850 square feet (studio or one bedroom), 1,000 square feet (two or more bedrooms), or 50 percent of primary dwelling habitable square footage, whichever is smaller.Parcel size greater than 1 acre: 50 percent of primary dwelling habitable square footage.

(whichever is greater) of the Seller's total commission obligation over $3,500 will go to your agent, and that they will split anything over that first six percent/$7,000 ($7,700?)

12 month lease is market rate (probably 5-10% more than last year if you were charging market last year.) everything else is MTM at market plus $200 or 20% whichever is less.  

In other words, if I estimate that I can buy a property for $70k that needs $30k in renovations, should renovation budget go over by more than $6k, my partner and I split those incremental costs 50/50.CapEx/Emergency fund:  We agree to set aside 100% of excess rent revenues towards 1 year of expenses OR 100% of potential CapEx expenses for 30 years (whichever is higher).

Colorado Senate Bill 21-173 was a quasi omnibus renters rights bill that limited the amount of late fees to $50 or 5% of monthly rent, whichever is greater, late fee cannot be charged until 8th calendar day of month (must give 7 calendar days to pay rent), cannot be deemed as additional rent for next monthly rent payment, cannot be deducted from rent payments, cannot be charged interest on and cannot be used as a reason to evict a tenant.This leaves landlords three options, issue an invoice to demand payment, if issued invoice is not paid then bring tenant to small claims court to collect OR deduct all legitimate late fees at end of lease period from the deposit. 

I have several potential flips going and every local bank I speak to wants around 80% of the ARV of the property or 90% of the cost, whichever is lower. 

You can use the current rents as specified in the lease or the rental rates as determined by your FHA appraisal, whichever is lower.  

As I've said before, I don't trust a program/algorithm to decide my business pricing....never have done that with any of the many businesses I've owned and never will.As @Alex S said, I vary my pricing depending on the season and which events are going on.