They typically also vett the former owner with the Pennsylvania Department of Revenue.  

That's a good example of a 'healthy' mortgage market albeit fairly astonishing that banks would consider the revenue data accurate and consistent enough to lend on.

That will go a long way to answering some questions.Check out - https://www.awning.com/airbnb-estimatorThat tool is similar to AirDNA for basic lookback on the area as far as occupancy and revenue goes.

You should only pay when revenue is collected.

On the income side there are numerous things you could do to improve revenue but they are not listed.  

I personally use RevMax software with a live revenue manager. 

Consider short-term rentals: If local regulations allow it, converting one or more units into short-term rentals via platforms like Airbnb can increase your revenue per unit.

And seeing as it's an organization level with so much staffing we need HR, middle managers and organization managers.So now we are at a place that the staffing "suck" eat's up the revenue of a couple K doors, so we need more doors to make up for that, AND as we add doors we add more staffing requirements, which add's more "$-suck" so need more doors to get over that and it's a lovely feedback loop....... 

Imputed value comes from taking the assessed value from the tax assessor and multiplying by the applicable factor that the PA Dept of Revenue has determined for that county and year.

July 1 to Aug 15 STR revenue will cover the mortgage for the year provided that we spend that time staying with family and/or on a low-ish budget vacation.I'm not suggesting you move to this forgotten corner of the country, but look at a solid vacation rental market.