I sold a beachfront home last year that was ICF constructed in 2000 with a metal roof on concrete pilings and the insurance went up triple what my larger 2019 stick built with shingle roof 6 lots down is. 

For buy-and-hold investors, DSCR (Debt Service Coverage Ratio) loans are an excellent choice for a few key reasons:1.

And maybe look at doing a consolidation exchange to use all of that equity to  buy something larger where you can start to get economies of scale.

Also i think it may be size of property. my experience and discussions, VRBO tends to be older members looking for larger properties.

If you have a larger portfolio & some infrastructure behind you it can be nice because you can off set your losses with all of your gains.

@Adam ZbiciakI've been pricing these in the high 8's and low to mid 9's for most scenarios, similar to as you've described here.If you have a larger loan, stabilized with good cash flows, strong experience with 9+ properties, and strong liquidity, I've quoted these in the 5's (at par) at 55-60LTV with a Family Office I work with. 

We manage our lives and finances , make good choices .

Here are a few strategies that might help you:* Traditional Financing* Hard Money Loans / Private Money* PartnershipsUltimately, the right choice will depend on your comfort level and financial situation.

Or NV is a good choice low prop tax's and no income tax..also personally I have been looking for a summer cabin in the Sierra valley.. this is north west of Reno and one of the best kept secrets in CA. 

This will help you buy and manage larger deals.