Since 2020 we've seen large asset value increases and large tax increases, and more modest insurance increases but we've been able to improve our profit margins sufficiently to keep up with inflation and even do a little better in many cases.

If the Ensuing damage is also not covered, the total loss could be vastly higher.  

There's always some bad apples in any bunch but for vast majority, it's a win-win. 

The vast majority of lawsuits against Landlords are for wrongful eviction, security deposit disputes, and Fair Housing Violations.

You still may be vastly overpaying. 

One bad tenant can ( and have) quickly destroyed a year+ worth of profit.I agree with the vast majority of what you said.

Isnt it sufficient using apps like Stessa or Avail or Rentprep etc etc?

Clean-up costs- make sure you have sufficient coverage.D. 

Fees can range vastly depending on the type of loan, DSCR, Fico, LTV, and Loan Amount size. 

If the appraisal came in at the price what was not sufficient for them?