Prorate insurance premiums based on in-service date. 

That's a pretty steep premium.

The premium membership is great for tracking expenses. 

When the 5 years come up the property has been tapped so the next buyer certainly isn’t going to pay a premium to take the property on?

In the midterm rental community, it is regularly discussed how frequently people inquire about accessible properties, particularly in the highest end insurance placement niche where there is, indeed, a price premium on accessible properties.

It makes sense that the purchase price of something brand new will demand a premium.

When I get BDC booking it is premium and I'm ok with sacrificing my rank/algorithm on Airbnb.

That's the category of lender you want to avoid falling into.This is a roundabout way of saying if you can show real value to your borrowers by understanding their business you will attract the best quality borrowers with the best collateral and can charge a premium for your services because they are the borrowers who understand what's most important in a lending relationship and its not solely the rate or origination fees.

Tons of competition out here especially in Scottsdale so I stay out of areas with a ton of competition because I don't want to pay a premium on the purchase and then have to spend a ton more to furnish to keep up with the other STR's in the area.I bought mine in the cities close to where people want to be, but still far enough away that I could afford a bigger house. 

Usually, they allocate a certain percentage of the loan to each house when you initially close your loan - based on values but then they also add a premium for the release so you're paying 110 or 120% of the allocation of the loan when you sell..So lets say you have 4 houses and three of them are worth 100k and 1 house is worth 200k.