One of the major driving factors for increased premiums is the carrier's requirement for higher replacement cost limits on file for buildings. 

The NAR settlement was ridiculous and has only forced agents to do more paperwork and disclosures, but the vast majority of us are still working the same way.The law requires the agent to sign an agreement with you.

We do all our loans as balance sheet loans, so that means short term fixed rates with 20yr amortizations and 20% down. 

., longer-term, amortized, require escrow, commonly modified b/c of prepayments, etc.)? 

I see Xplorie is popular but they require a minimum of 10 properties for a partnership.

If you ask the manager to justify a fee and he starts hemming and hawing, move on or require them to remove the fee.

I would recommend targeting 30 day minimum rentals (Most associations are 90+), allowing 12+ rentals per year (most allow 1-3), and no in-person screening for tenants required.

However (to go into detail requires a separate post), that's not quite the correct course either.

Some towns require a residential parking permit (sometimes on specific streets only within that same town) - you need to know what those requirements are and how feasible it will be.

Most value adds involve work   Some require specialized knowledge.Here is a list of why adding ADUs in my CA market is typically a poor RE investment:1) The value added by the ADU addition is often significantly less than the cost of adding the ADU.