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Updated over 2 years ago on . Most recent reply
![Matt Sledge's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2370563/1695009041-avatar-matts1016.jpg?twic=v1/output=image/cover=128x128&v=2)
Better market for appreciation Tampa , St Petersburg or gulfport
Hello all
what's your thoughts on these markets for SF an MF
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![Kristina Kuba's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2221414/1646964523-avatar-kristinakuba.jpg?twic=v1/output=image/crop=795x795@109x65/cover=128x128&v=2)
Both are quickly turning into dense, urban metropolitan cities with high appreciation rates. I would caution you when underwriting St Pete deals (basically a peninsula by itself) and Tampa properties near the water, in the wake of Hurricane Ian I am noticing my clients getting drastically higher insurance quotes on their new LTR and commercial STR policies.