If you want appreciation, identify markets with expanding industries, positive growth trends, and bright economic forecasts.

Also weather is a factor as previously areas were subject to a 100 year storm that is now a 20 year storm, which causes insurance to skyrocket.

I started exploring multifamily properties and various markets, which helped mitigate risk and maximize returns.By expanding my focus to include different areas, I was able to weather market fluctuations better and ensure a steadier cash flow.

The city's experiencing massive population growth...from what I've heard, people are moving here for the booming job market and, well, the great weather doesn't hurt.

For the last part, why not use a separate calculator (that allows for additional payments) and compare it to the AIO so you have an apples to apples comparison of the total P&I payments and payoff timing forecast.

The irony...the party of tolerance being intolerant. insurance is always a bouncing ball.. my insurance in Lake Oswego and we have no fire risk other than normal No weather risk  just risk of winter gloom and depression. 

How BiggerPockets, @Alexandra Hughes Pailet, and @Katie Miller went with the flow as the weather threatened (and did) to disrupt all of our outdoor events, travel, and transportation.

Better weather. Ability

I think FLA will still continue to see growth because of TAX's and weather along with available land .

TN wasn’t a choice when I chose so I went with the low property tax, cheap insurance, no income tax, no weather, low maintenance, cheaper and newer inventory location that everyone is moving to.