I don't charge renter's insurance for my lower class properties.

I would tell people today that if you buy a primary residence expect to stay in that home for atleast five years, especially with a FHA loan which has lower down payment as the current forecasts for home appreciation or very low which with closing costs on the buy and sell, it will take several years to have equity in the property and enough to be able to sell, so that is something also to consider.

If all of them have a garage and yours does not that will either put you at a lower ARV then what you thought, or a longer time on market.

., with lower leverage and less cash flow on a property.

Appraisers are using MLS data and often it is lower than actual rents. 

I knew that was not true because I had paid $780 a couple months before on a property in the same area and also my realtor told me that her clients had been paying that lower rate.

So in that a much lower rate of return is acceptable given the safety and certainty level of things. 

We tried to explain this to VRBO call center reps, but they can't offer anything other than telling us to lower prices to pre-Jan 6 rates. 

The home values are still lower than pre-pandemic and far fewer multiple offers.Vegas was the big topic among my local meet up circle.

As others have suggested, you could get a conventional or FHA loan if you want lower down payment options.