Todd Radus This is super comprehensive, great answer to my question.

Aka Luxury accommodations and Airbnb's typical traveler are not often the same thing.

And of course I made modifications to better suit my wishes, but I left in opportunity to cure, re-inspection criteria, and that landlord will allow for reasonable accommodations (think of visually impaired tenant being unable to see or elderly tenant being unable to perform certain actions).

Meaning you mathematically adjust for the higher overhead costs; if you have a bigger rent payment due at the beginning of the month, then you need to be making more cash flow to accommodate the additional risk.

Our house should accommodate either with plenty of off-street parking, a separate basement entrance, and is an owner-occupied residence for the city STR compliance. 

In addition, the owner of the home must not own more than three single-family homes.3) They are unable to provide sufficient documentation, such as the emotional support animal letter, that verifies the ESA is necessary for their health and well-being.4) The tenant provides fraudulent documentation attesting to their need for an emotional support animal (usually a fake emotional support animal letter).5) The landlord can demonstrate that making accommodations for an ESA would impose undue financial burden or logistical burden. 6) The animal is destructive to the property or displays threatening behaviors that could put other tenants or yourself at risk.7) The size or nature of the animal makes it impossible to house safely or humanely. 

I think you'd be surprised how much more money a dog owner will pay to make sure their pet has nice accommodations also.

It is a popular and comprehensive solution with many features, and anyone working on your books or taxes should be familiar with this platform. 

If not, can you up your down to accommodate the commission?

If you plug the numbers into the calculator are you having the rate be refinanced at a half percentage or 1% higher to accommodate for rising rates in the future to make sure the numbers work in the future as well?