I am based out of Janesville, but spend quite a bit of time in Madison as well.

This may sound crazy, but I own another STR in this particular market, and the reason I think this might actually be possible in based on the value of my other similar property.

Now the debate of where rates "should be" would be based on the quality of product each person/owner offers. 

It's good for segmenting leads based on criteria such as location, types of properties they are interested in, budget, etc.

Fees realtive to a low loan amount are always going to seem high - a lot of them are fixed and don't vary based on loan amount.

Although they are not Credit Unions- I am familiar with a few local lenders who can lend based on DSCR standards with a purchase price minimum of $75k (so  ~~$56k min loan amount).

Home and land was owned by a hoarder so major cleanup was needed.

Not worried about small or medium spikes , just something to protect us if there are hundreds of dollars used that shouldn’t be.Looked into splitting them and it just isn’t worth it right now.Would the best way be to just list utilities included upto a certain amount based on historical usage for electric(kwh) & gas(mcf) totals for a year?

The land entitlement deal has been in the works for 18 months. 

A party claiming land by adverse possession must prove that he or his predecessors had exclusive, continuous possession of the disputed land for at least 21 years and that the possession was open, notorious and adverse to the legal title holder.