Insurance companies are taking a close look at building materials, quality, and updates. 

From the sentiment of your post it seems like you're viewing the buyers as strictly investors when they may lean more towards traditional homeowners looking for a quality of life improvement or an improvement on their current financial situation today.Let's say the buyer pays 465k and has a 5% interest rate.

Hi Srikanth, I’ve been investing in Cleveland neighborhoods with a similar focus, targeting properties that align with appreciation potential while attracting quality tenants.

The quality of your tenant is just as important as the investment you make.  

An eviction will make it challenging for her ever to find a quality rental in low vacancy areas.  

If you think that the forums and the books have the same information and the same quality, do you read books at all?

What is quality of all the tenants on existing and potential?

Keep it simple, paint and carpet, buy a good house in a quality area.

I am not a fan of concessions as I believe that it will attract lower quality, shorter term tenants.

If the answer is "close enough," they move forward without much hesitation.While it's true that higher-quality tenants are easier to attract with nicer homes in better areas, I’ve managed C-class properties and had fantastic tenants.