The stable W2 wage earner brings significant credibility to the lending approval algorithm for sure.  

A computer algorithm just spits it out and says waived based on the sales price and areas median pricing, ltv, fico score.

I also can tell you that some of that data is also reporting the Covid-19 Cares data.Those reports are using algorithms that do not have perfect data and will include additional trade lines that are are distressed but being forgiven. 

Zillow has a decent algorithm, but I wouldn't rely on it.Find rentals comparable to yours (size, amenities, and location) and keep an eye on them.

Can't write or trust an algorithm to determine home value.

My intuition tells me that the 16 rule will skew AirBnBs pricing algorithm and have some negative effect on search results and display ranking of the largest properties.Huge custom mansions (20 person plus) with a traditionally high minimum nightly rate will now be at a big disadvantage in search results against a true 16 person sleeper (mid size) which has considerably lower minimum rates.The largest properties are now in direct competition with mid size properties as far as sleeping capacity and as a result I expect AirBnBs algorithms will begin to ease prices down on the largest STRs because the mid size STRs will always appear as a much much better value.If my assumptions are correct then what follows is basic economics. 

They run an algorithm based on sales.  

Which is why people probably like ZIllow since I'm sure their algorithm is just raw number-crunching to get an average.  

If you are specifically looking for off market, yes your agent can filter by many different criteria...type off ownership, years owned, amount of equity, loan balance, out of state or in state owner, even ‘likely to sell’ based on algorithms and many others. 

Even Zillow has acknowledged their algorithm is bad, that's why they offered $1M to anyone to come up with a better valuation tool to help them out.