I'm strictly concerned with ROI and how it looks to potential buyers.

Thanks for all the replies.I would price out elsewhere and if you find a lower rate, I would ask the new lender what their rate lock policy is, such as when do they lock it, for how long, and what is needed to get the lock.

Make sure you update your insurance policy.

I like how I can dig into the competition and see their nightly rate, pet policy, etc.   

That’s what I do for my leases.I echo the comment on getting really good insurance with an umbrella policy as well. 

This outlines things like guest/ overnight guest policy, cleanliness standards, roomie/tenant vs roomie/ landlord responsibilities...

Also, if you're working with a local bank, theyre likely choosing not to originate  Conventional loans for investment properties and to only offer commercial loans that they hold on their balance sheet, which are subject to their own internal credit policies.

When investing in New York, be strict and strategic about your approach.

The housing authority can be very strict, and even minor issues can delay the process.

Strictly from a private money lens: If you're open to a 2nd position private money loan against your STR's, it's possible.