I'm a full time IT specialist AND have my own home inspection business in Southern CO.

DSCR (debt service coverage ratio) qualifies you based on the asset itself cash flowing.

Banks often are known for having worse service, poor technology and processes.

Yes - except that is you have a full-time W2 job, you cannot qualify as a "real estate professional."

The statefarm agent I am working with is assuring me that it will be "written as a seasonal/secondary home for you with the endorsements to cover the air B&B"Is this adequate or should I be looking for more commercial full rental policy?

I have been striking out in underwriting with 30 yr fixed rates, the math just isn't working out for me to make any cash flow and the debt service monthly expense is wiping out any NOI and thus my yield. 

. - they pay for installation $25 - they can take it when they leave and you reinstall the old one charge them $25 again.Situation 2 - they do not have a shower head but they know what they want and YOU OWN IT - buy it for them and charge $25 for installation - shower head STAYS when they leave you now have a spare shower head.Situation 3 - similar to #1 they purchased a shower head and it is gifted to you - install it for free - shower head stays with apartment when they leave, you now have a spare showerheadOther than that, its just customer service.

Likely due to price vs rent you will pay full rent on your unit and may even subsidize your tenant. 

Just looking for someone who has actually used their services to vouch (or not) for them.

One way we do that is by pulling your credit report (but only after you’ve filled out our full loan application and agreed to our conditional terms).