I am seeing high 6s at 75 LTV with a 720+ score. 

They bought it and held it, come hell or high water.

I highly recommend finding a broker and have them find a policy that meets your specific requirements.

Splitting the gift across multiple years may reduce immediate tax reporting but requires appraisals, legal documentation and proper structuring.If the house is highly appreciated, holding it for inheritance may be more tax-efficient because the recipient would receive a stepped-up basis to the FMV at the time of your passing, eliminating much of the capital gains tax liability.This post does not create a CPA-Client relationship.

Did have high quality photos/ great listing title and description?

I currently work remotely as a Manufacturing and Quality Manager for an AI infrastructure company based out of the Bay Area. 

Low LTV, 30yr fixed @4.5% personal (1)• Investment condo - new const. high end purchased w/1031 (from 20yr quad) in 2019.

Even though there is low inventory, interest rates are high, and many properties don't cash flow, look harder there are always deals, you just need to find/make them.

Also, providing value to others at a high level will pay off for you in the end if you stick with it.

Is my thinking correct that homes in highly appreciated areas won't benefit as much from Cost Seg.