New construction properties can qualify for significant insurance discounts, but otherwise, I generally expect insurance in this area to run a little over 1% of the property’s value if it’s in decent condition.Feel free to DM me if you’d like a good insurance contact to shop around for a better rate.

Is my thinking correct that homes in highly appreciated areas won't benefit as much from Cost Seg. 

A cost segregation study was performed on this single family home in Iowa City, Iowa with a depreciable cost basis of $649,900.

Finding a good account and bookkeeper wasn't difficult and using online registered agents was way more cost effective.

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

I’m sure you won’t be verbally assaulted about how greedy you are Basically they were gifted $60-$120k tax free. 

Companies like DL Cabinetry and J&K Cabinetry ship RTA cabinets nationwide for a fraction of the cost of Kitchen and Bath companies.

Here's an article with FAQs including the cost of a study.

Agree it is difficult to assess costs when they vary so much by location.Keep in mind that some turnovers are sickenly expensive, and that is just the nature of the business. 

Does Hard Money typically cost 30-40% of the purchase price??