Is a roughly 3% premium to Treasury's typical for a commercial/DSCR loan? 

The one you can scale.I know successful business owners in the fitness industry, tanning salons, real estate, window coverings, maintenance, billboard, ATMs, etc.Generally, I would be skeptical of jumping into a business based on YouTube videos hosted by and featuring people that are likely primarily trying to sell you their respective courses.Small businesses can indeed be great investments, but they are hard.  

A $200,000 duplex might have identical rents in municipality “A” and municipality “B” but the property tax rates will vary, local regulations will dictate licensing requirements, labor rates will vary & the particular location will dictate insurance premiums since insurance carriers will weigh local replacement costs and whether the municipality is viewed as being a “plaintiff friendly” in arriving at insurance premiums.Better situated assets will attract better tenants.

what premium do you get doing the mid term rentals .. 

Open Floor Plans: The design of these homes features open layouts that feel larger and more spacious than they actually are, making them ideal for entertaining and day-to-day living.8.

From the podcasts that I've listened to featuring his company and his story he seemed to have a very honorable story.

I was going to use the “find a lender” feature on this website but I’m Canadian so it doesn’t look like it’s open to us. 

This is also part software sort of speak, it gets updated with new features...there is work to it, idk if that labor required is intrinsic too maybe.

Assuming the insurance premiums don’t significantly impact my cash flow (which is one of my primary goals), how do you assess the risk of taking out a loan under my personal name versus opting for a commercial loan that requires a larger down payment and comes with a higher interest rate?

They are even featured in articles, have been profiled and interviewed in the local media outlets, look really good online etc. and have a reputation around town as being highly successful because they have been busy buying a lot of units and making themselves look successful even while doing what I would consider very bad deals.It's smoke and mirrors.