I've been told New Orleans lenders use a 40% OpExp margin due to hurricane insurance premiums.

What Peter might have left out, unless you are paying a premium, if you're paying a standard rate.. and lets be honest if you're a flipper you're trying to get these services at a discount.. why is it beneficial for the Architect to drop their other projects to jump on yours to get it back into the City in a couple days?

Don't normally pay the premium price for John Deere, but wanted a dealer close by.Having trouble getting our new property rows plowed to plant trees. 

Pros: Diverse job market, low unemployment, great resilience during recessions, nice appreciation, 1% rule can be hit if you look hard enough, great economy, good schools, Midwest nice.Cons: Extreme weather at times (hot/humid summers, tornadoes/hail, brutal cold in Jan/Feb), high insurance premiums, property taxes also really high.

Anything from public datasets to premium tools or software would be helpful!

So, they would pay a premium for a ranch, but would not touch the stairs. 

It is considered to be a premium brand.

Is a roughly 3% premium to Treasury's typical for a commercial/DSCR loan? 

Some of these will have buyer premiums over the top of your sales price and almost all will have limited inspections.

I charge a premium and as such, expect things to be a bit nicer and feel okay saying no discounts for people shopping for discounted stays as there is a reason I charge more than my competitors.