Each carrier will evaluate the property and determine what the cost will be and that's why each carrier has a different premium for the property with generally 85-90% of the coverages being the same.If you feel the dwelling is low see if they have a guaranteed home replacement endorsement that can be added or 150-200% dwelling coverage to truly protect yourself in the event of a total loss.The market is going to be like this until 2025 most likely so the easiest thing to do is raise your deductible without sacrificing coverage.

We sacrificed A LOT.

What is this builder "sacrificing" that endears them to a profit split???? 

He also sacrificed and moved his family across the country to live there and get his first properties launched.

Whether you are sacrificing your comfort to house hack, money for a downpayment to cash-flow more, or one of the wealth generators based on the market itself; there is no one-size-fits-all perfect investment.

With rental prices soaring in many Sunbelt cities, particularly in urban centers and desirable neighborhoods, BTR developments offer a more cost-effective alternative without sacrificing quality of life.

If you were to spend the next 10 years of your life sacrificing lots in order to gain knowledge of particular industry (Industrial or Multifamily) which would you rather know when all is said and done and you were to try and retire with this knowledge. 

I do diversify my ira in the market, but I'm much more comfortable leveraged up into a wide variety of units so I can predict the averages better.If you don't leverage up and have 1 property paid out right, not only are you sacrificing a much greater return, but you also have all your eggs in one basket.

I would obviously be sacrificing hard cash flow though since I would then have two homes with two loans rather than one free and clear. 

Though a rate buydown that the buyer pays for works out best for the seller since they're not sacrificing on the sales price of their home.