The data I am using to compute insurance premiums is averaged at the state level.

Joe Quance at ABC rental is fantastic. joe at abcrentalmanagement.comI am using them to manage my 8 plex and have been happy

It's what I like, and am used to.To each there own, but 130-140 seems reasonable for most people.

@Brian Ellis, I am using SmartMove credit check service from TransUnion since many years.

Your big markets are conventions, downtown tourism, amusement parks, Lackland BMT.

I was using Quickbooks Online, but they started charging, so I am using payments within my Property Management platform, TenantCloud.  

A while back, there was a post I read The 6 Human Needs Apply To Business that I have been thinking about. Here is the image that I am borrowing from the OP.To set this up, I am a big Tony Robbins fan so these points ...

I personallly loathe arcades and heavily "themed" properties that look like you're staying in an amusement park or movie studio.

I'm probably making some fatal flaw in cost estimation but I am using the tools here on the website.  

Your analogy about a Car sale is completely irrelevant (yes, I am using that word again) because HERE we are dealing with the ethics of AGENTS (which ethics should be no different in any RE transaction they are involved with than if in fact they WERE the Agent acting on behalf of the Seller - you've boasted about have such ethics too)!