Refinances typically do not reflect real world current market values.  

I also require a security deposit that reflects potential damage by a pet.

As an example, mine reads:LESSEE(S) agree(s) not to rent, sublet, or in any way assign the right to reside in the dwelling or any portion thereof, without permission from LESSOR at which time the Rental Agreement may be altered to reflect LESSEE(S) changes or additions of residents.

💥“These figures reflect the striking difference between the aftermath of the pandemic crisis and that of the housing crisis of 2008: In 2021, there were nearly three times more apartments under construction than there were in 2011,” according to a new report from RentCafe.The amount of new deliveries, as estimated by Yardi Matrix, represents just a 2.5% decrease in new units over 2020 figures.

If so, it's considered a mortgage and the lender should issue a 1098 to the borrower to reflect the interest paid.

I'm clear on the tax stuff and am more interested on how the payment to me is reflected on the HUD. 

My truck is a reflection of who I am.

Todd, really guessing that this thread was started out of a sense of urgency to post something and the OP couldn't or didn't give much thought to the negative reflection on his integrity or intelligence, I can't help thinking he knows better but just wanted to post about getting the rent checks.

As you mentioned, Your decision should reflect your personal plans and tastes.

If so, that is pretty conservative and may reflect the volatility and potential bubbly situation in your market.