The process was straightforward, rates and terms were flexible, and I completed my home renovations without any issues

Landlord might not want to remove them, and would be keen on keeping them, but at a new rate/terms. 

It increases the value of the home, good to show to insurance company (for Evidence, insurance discounts, etc) And it’s good against squatters.

@Samuel Metcalf- sounds like you have a FHA loan as  PMI is permanent in most FHA loans ....I would ask  the bank that holds the loan for  refinance  options and then shop around to see if there are  any refinance options that  make sense ...if not - live with the loan you have  but be  ready to refinance  when rates drop 

I buy my leads from a friend offshore with a 80-90% contact rate.

Beyond rate, is there any cost difference between the two? 

Forced Apperception (BRRRR or buying at a discount) allows me to build in equity from the beginning.Market Appreciation is where you will make the most money over a 10-year period but is the least predictable.You typically cant get a second position loan or HELOC from an investment property.

So right now if someone wants to book 26/27 Apr we can upcharge 100% of the Thursday rate so essentially they pay for the 3rd night without realizing it, and it leaves that day open to be booked. 

Are there any resources where you can put your income, purchase price, down payment and credit score and see potential rates and which lenders do it?

@Cillian KellyI never do because my rate is 3%.