The title cannot be 99% you with a conventional loan, that indicates this is an investment property and rates and terms are a big difference.

They only listed 2 guests to get the cheaper rate.

Appraisers are typically pretty conservative and will use long-term rental rates, not mid/short term rates.

If it could your success rate wouldn't be less than 0.1%.Now you have the proof.

As rates go up, so does the ARM.  

Loan approval is mostly based on projected rental income, similar to commercial properties.Disadvantages - higher interest rates and can be a riskier investment. 

Interested in house hacking but I've come to realize there are variables that I'm not aware of Like for example, I posted once before this and was informed property taxes increase when the home is converted to a rental. 3 years into our 30 year on a 3.75% rate.

For other variables such as tax rates and heating costs, I find it easier to get a good evaluation.

the issue right now is that with both prices and rates high, it is very, very tough to have cash flow unless you're employing some kind of creative and/or hands-on and/or value-add strategy, or combination of strategies. 

What you bought Pre-covid with a low interest rate and much lower value at the time.