When it comes to finding a good insurance agent, I think that a huge factor is responsiveness. 

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

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

Other most common factor: Family Size increases due to marriage or having a child. 

As I plan to purchase a property within one month, I hope to not just work with one agent, so that I can expose as many deals as possible.

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. 

Sounds like you have a plan to consult with some brokers and expose it to the open market. 

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).

Like everything else... if the numbers work and all the other factors at play are good in your opinion.... go for it!