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.

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).

Instead of limiting the search to 14 properties that sold above 80k, I pulled properties that were similar in location and sqft.

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?

Or the various starving agents who come on BP in search of getting some transactions and strongly engage in the "fake-it-to-make-it" doctrine. 

.#2  I like some of your research and my guess is that based on all you have said it will not actually go to sale. 

setting up a 3 bath beachfront condo and just going to go all white. been searching thru Amazon and cant really find what im looking for. just towel, hand towel and washcloths.