So, older homes have a higher frequency of claims as well as higher severity.

For most, this isn't a realistic option so they update some of the most important regions themselves and copy the data from other providers where they don't have coverage.This is a big problem with these big consumer-grade real estate analytics platforms—you don't really know the source of that data, its frequency, etc.

Not sure if there's a lesson to be had there, but that's how I found it.I'll say though that once you know what you're looking for and create an industry specific network, you start to find them with some frequency.

Lending and insurance are based on predictability and without question the frequency and size of losses will continue to eclipse prior records.

Depending on the lender (bank or alt. lender) you have to look at origination fees....points, doc prep, interest rate, frequency draws are allowed/min. draw amount allowed per request, interest payments vs. interest reserve & whether interest reserve is capitalized to fully understand the true cash requirements.

If you have any significant loss issues (frequency / severity) due to wind/hail in the recent past, you could see this minimum deductible set at $15,000 - $25,000 (per building). 

I will mention that a hot tub could really increase the frequency of bookings. 

Additionally, the presence of POHs vs TOHs introduces further operational complexities and elevates overall costs due to increased maintenance and management responsibilities.However, without detailed information regarding the specific septic system configuration (gravity, pressure distribution, mound, cluster, etc.) as well as the system's age, historical performance, and required maintenance frequency, it is challenging to derive a precise expense ratio.

Also, for the variable rate, that can sometimes be mitigated by caps in frequency and/or basis points.

Ask your lender about their recast requirements (payment amount and frequency).