A replacement cost should factor in depreciation.Airbnb knows exactly what they are doing when the scam hosts by not paying 100% for repair costs. 

Bad part about low money programs people don't talk about, before 2022 this would not be a factor

However, 2024’s holiday season was impacted by other compounding factors, making the usual seasonal dip more pronounced.2.

Additionally, have a clear budget, factoring in potential repair costs, and ensure you understand the rules about earnest money deposits and closing deadlines.LLC for Real Estate Investing: Forming an LLC for rental properties can offer liability protection and may provide tax advantages, though the tax benefits are non-existence for rentals.

The ideal location for your first investment often depends on a combination of factors like budget, market growth, and your personal goals.

One of the major driving factors for increased premiums is the carrier's requirement for higher replacement cost limits on file for buildings. 

Will it expose systemic greed, or will it shift the blame to other factors like housing shortages?

There are a number of factors for why a property could be on the market a while.

As others have said, the location is a big factor in MTRs, but so is the clientele you are going after.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).