Weather also makes insurance more expensive - wind and hail damage properties. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Talk to your insurance agent and be sure you're covered.

I’m pretty sure Zillow has a policy where they remove old photos, but I haven’t figured out the rhyme or reason for where and why they do it.Detroit is pretty block to block.

Generally speaking solid insurance and a good umbrella policy will provide ample financial protection for most liabilities.

I know taxes and insurance have gone up a lot in that time so I understand that problem but the solid rent increases in that time have been able to cover most of that (at least for me it has worked out).

Even in the nice locations, most top out around $2,800.Of course there is also your increased insurance, vacancy, repairs, CapEx, and the never mentioned reduced rent on the main house since having a stranger living in your backyard usually isn't appealing to most renters. 

Insurance.

We don't have the Midwest weather, high property tax, old homes, high insurance, high maintenance, or state income tax.

Its also a good idea to build relationships with realtors, contractors, insurance agents, real estate attorneys, and property managers in your area so take advantage of events, conferences, and meetups.