I did understand that this range is pretty wide, but because of the fact that the property was pretty unique, I was comfortable with this spread.

Go to a small local/regional bank they are more likely to provide the services you need.

Unique is the way in my opinion. 

1 per region? 

It seems that him and many others do not agree with value propositions pressed by insurance companies and it seems to be a unique perspective, likely gained from data and not opinion.

With the FEDS rate increases, the everyday consumer will need to slow down spending and a lot of STR owners that don't have reserves or unique property at a unique location for income, will need to find different ways to make money with the property. 

Just wanted to sayReal estate can be a valuable addition to an  Not only is each piece of real estate wholly unique, they’re not making any more of it.

Small local/regional banks or Credit Unions are definitely going to follow that and therefore will have more lenient rules on loan amounts, fees, underwriting and etc. 

What regions do you think take the hardest hits & thoughts on STR income for the next 18 months?

For example, Texas is a unique state in that there is an entire tax lien lending industry concentrated in a handful of companies, and the rules are somewhat opaque but clear regarding right of redemption (specifically around homeowner age and owner-occ vs. non-owner occ).