As a result, the few homes on the market command higher prices due to basic supply and demand dynamics.Many homeowners hesitate to sell despite potential profits, as replacing their home would be significantly more expensive.

Additionally house tenants bring more of their own appliance, like refrigerator, washer and dryer; which means tenants are responsible for repair and replacement of their own appliances. 

Insurance is still an annual dog fight via my broker.Read your policy very carefully, consider replacement costs will probably be higher than estimatesResiliency is a requirement here.As far as sell or not....it'll depend on your determination to be here.This ain't the burbs of the bay area.Prepping for heavy rain right now.

Additional demand= 200.Based on a pure additional demand Cleburne looks like the better deal. 

Same with a refrigerator replacement, HVAC system repairs, etc.So, I am back to echoing Jaycee: first, don't be discouraged because someone else says to avoid a part of town.  

I sold my company to a national PMC named PURE,  they have a large footprint in California and are always looking for people at most levels. 

If that's the case look into finding a handyman, and make sure to shop around for the best price.Stuff I have ran into:lost keys/lockpicking [hired]broken washer [fixed myself]shower door [fixed myself]AC clogged [hired]Microwave broken [replaced myself]holes in the wall [fixed myself] Thank you!

Financial freedom isn't simply about replacing your current income, because inflation continuously drives up prices, making a fixed income insufficient to maintain your standard of living.

I would suggest getting another full-time job for the time being and investing/doing STR on the side until you can fully and comfortably replace the income that you would be receiving from your job.Is your LTR in need of repair?

Dwelling (Building coverage)The limit should be based on the Replacement Cost of the building (cost to rebuild withthe same kind and quality excluding the foundation)2.