DEI policies along with environmental, immigration policies is not sustainable for a non 3rd world country (my guess that is the point). 

I don't believe either of these are actual Steadily MGA policies though.  

GDP, so any shifts in fiscal or economic policy will ripple across the industry.

Rates aren't high, the great moderation was poor fiscal policy.

During this renovation period would you, as the lender, want an Actual Cash Value or Full Repair Cost policy in place?

Being proactive ensures you’re always a step ahead, minimizing risks and keeping your business running smoothly.Example: Imagine you implement an outdated tenant screening policy that inadvertently violates a new anti-discrimination law.

I also assume you have homeowners insurance rather than landlord policy which is invalid if you’re not living there.

This isn’t/wasn’t a loophole - just tax policy. 

Areas with expanding industries, infrastructure projects, and business-friendly policies tend to offer the best long-term ROI.Curious to hear—have you or your investors had particular success in any specific markets with this strategy?

The refund policy you spoke about was surprising.