Looking at the Year 1 data is typically enough.It also calculates Cap Rate, 1% Rule, and Cash on Cash return percentageI think the 1% rule, CoC, Cap Rate, and some other metrics are fine for comparison sake but none are a one-size fits all.

Has anyone had success negotiating a premium that is comparable to the local rate for airbnb's/vrbo?

Purchase price: $345,000 Cash invested: $101,000 Sale price: $565,000 Traditional fix and flip in a very tight market sold with 40-year high interest rates (Oct 2023).

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

I do question how applicable that technology and method is for market rate US product. 

Between the market rate of the services I offer and at least several months of holding costs I can eliminate, I know that I can bake some legitimate value to a deal however I have no direct experience packaging that value way that could help secure financing.And that’s essentially where my research is currently focused!

I like to check rates yearly to see if there is an opportunity to change over to something more affordable.

I know they take a longer look at projects like this in the valley and I have noticed they tend to accept more projects sometimes but depending on experience you may be asked to bring more money in than an experienced developer and likely to have a higher interest rate.

Just know that Florida pays some of the lowest rates in the country for travel medical pros so price your unit accordingly and plan to reach out to other guest types to fill the gaps. 

Current rates are mid 7s, you will pay at least 2 points and origination fees between $1.5k - $2.5k.