Found the link below that is interesting and describes market-based pricing.

Hi Austin,Insurance business is complex, and I wouldn't rely in an agent that is asking you to leave things "as is".In my case, what worked is to build relationship with at least 3 to 4 agents, so I can easily email my portfolio and they quote me based on that.

I'm based in the Lowcountry of South Carolina.

Determining whether the venture falls under a service or rental business hinges on the provision of substantial services; for instance, if a bed and breakfast service is offered, it must be reported on Schedule C, triggering a 15.3% self-employment tax.Moreover, personal use plays a crucial role in the classification of the property.

Merchants Bank MN See Pavel UshakovPenFed - max 3 other properties, 89% LTV Regions- yes HELOC but no LOC SCCU Florida 70% LTV, 6.25% interest only, not LLC Sound CU "non-owner occupied HELOC, capped at $150K and interest rates are prime + 2%, 3% or 4%, based on credit, not to exceed 70% ltv.”S&TTCF BankTD Bank TIAA Direct was EverBank Tower FCU, all states except TX, max 45 DTI, green card ok.

I actually work in Huntsville on the base.

They are evaluated based on the property's income and ability to cover the loan payments, rather than the borrowers personal income.

Specifically, do you look at comps on the market or try to find what value would be based on the cap rate? 

He worked at a military base 2022-2023, but his paystubs are from 2022?

Don't you love it when they paint over oil based with water based?