Again, you’ve probably thought of these, but those are likely your best bet.

Speaking of DSCR in particular, 80% will likely be your best bet versus 85%.

I felt physically sick and had to go tell my wife..

THANKS Your local credit union might be your best bet.

2) I bet you could draw that same or even more extreme graph for new car prices.

That's probably your best bet.

Being in NY maybe something to do with physical document transportation?

I don't know how long you have owned it but I am willing to bet if you have owned it for at least a few years you probably have a rate on that property that will be hard to get again. 

It doesn't add layers of physical damage coverage or cover things that wouldn't otherwise be covered.

We have a development coming up for approval with the county adding over 100 units bordering our small town and you can bet everyone that lives in our town is upset about it. in the end though, the planning commissions in our area tend to follow the letter of the law so to speak, so if there is nothing in ordinance barring it, they will approve, generally.