Thank you for sharing in such great detail.

The owner portal is limited; I can download my 1099 but not view detailed expenses.A significant issue arose recently when I explicitly documented a request for them to consult me before any tenant lease renewals.

Here are the details of your questions though. 

In my market, there just isn't a huge demand for insurance displacements or other niches that have need for 3 bedrooms and are willing to pay for that extra space. 

Detail why he wants this and where he wants to be in X years and how he thinks he will get there.

Give yourself the option to pay it off early and the flexibility of getting a little extra cashflow today. 

I like to charge more when there are extra guests, but Evolve won't allow you to do that.  

Create a detailed post or thread that outlines your past projects, what you've learned, and the returns you've achieved.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

We were okay with paying a bit extra for something we love, but with the added complications of the undisclosed claim and the high insurance premium due to the property being in a high-risk status, it’s become a concerning situation.