I've downloaded census data for the last 8 years and aggregated it here:https://docs.google.com/spread...You can see which MSAs have strong and consistent growth as well as those that are actually accelerating in growth to identify up and coming areas.

They have free detailed metrics of the South Bay/LB/San Pedro/Inglewood that their company has been collecting and aggregating for years (decades?). 

@Tim Donovan I use Rentometer, Craigslist and Hotpads, then aggregate the data, finding what's renting in the area.

Escalating aggregate DTI isn’t the cause, it’s an indicator of overall societal irresponsibility.  

This is from aggregated MLS data James.

You have the county and the municipalities within the county so I'm sure there is an entity that is aggregating that data.

Same as #1 except for listed homes.I bounce around county property records, Zillow, Redfin, and Realtor.com to aggregate this information.I'll try to find 5-10 properties that match this criteria of mine and then I'll take 90-95% of the median price as my ARV.

The comps in the neighborhood are similar.This is what I received for 40% replacement:Dwelling (Coverage A)  103,200 $883.00Dwelling Extension 28,000 $28.00Personal Property (Coverage B) 5,160Business Liability (Coverage L) each occurrence  $300,000Business Liability (Coverage L) annual aggregate   $600,000Premises Medical Payments (Coverage M) each person   $1,000DeductiblesPolicy deductible 1,000Total Annual Premium 911.00---------------------------------------The 100% coverage was set at $258k, with premium of $2143.  

😄 And to your calculator, continue adding your paper losses (depreciation, etc.) and the aggregate equity your tenants are funding with their monthly payments.   

What is appropriate is a properly constructed package built on a solid commercial policy form with the ability to offer appropriate coverage for assets under any stage of occupancy or renovation, a simple monthly reporting format with no minimum earned premiums, the ability to waive co-insurance requirements, with no location limits, with the ability to insure multiple controlling entities, offer coverage in all 50 states, special form coverage with theft and vandalism and the ability to actually reduce premiums incrementally by aggregating locations, just to name a few little things.