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Quote from @Cameron Moore: Exactly. 15 years ago, I noticed an increase in owners using insurance to pay for a replacement roof, usually to sweeten the pot during a sale.

Meaning its on path for gentrification and increased rents for the foreseeable future.

You could have your insurance cancelled but more likely you're going to see a rate increase.

However, I’m actively managing my investment, taking on risk, and improving the property, which has significantly increased its value.

And, even then, hitting your rate target would still be extremely challenging unless you were paying points up front, in which case it would probably make more sense to just try to put in a bigger down payment (or pay down the balance if refi) instead and get better terms naturally offered at the lower LTV.

Mobile homes can sometimes be more expensive to insure, so it’s good to shop around for quotes.Resale Value: If you ever decide to sell the mobile home, understand that its value might not increase over time.

Personally, I’ve been exploring opportunities where growth patterns and infrastructure expansion hint at future value increases.

Increasingly it’s the inexperienced investors who are making these decisions, often on their first investment.

Are a lot of people in it for themselves, and will give you advice that will benefit them, of course, that is human nature?