Current Equity 45K at 80%LTV 6.5% interest rate$190K Income per year high 800s CreditAre there any loan options with low down payments - I could do $10K auto or 401K Loan but seeking other options. 

Of course it is related to JOBS thats what makes silicon valley such high priced real estate.. if you have thousands of jobs say in the auto industry in the deep south .. your still going to have homes valued at about what those jobs will afford.. 

Wanting to optimize my house hack, I had Zillow, Realtor.com, MLS, and Craigslist auto searches for 4+ bedroom houses under 225k.

They have higher quality ones or Landlord thermostat that are auto reset to certain temperatures.

(Not sure if they have in NC)  Auto coverage was deemed adequate.

Single industry can be a threat if that industry has trouble, like the tech industry in 2000 or auto industry in 2008.

Use auto-responders for the vast majority of guest inquiries.

Thousands of homes in TX, LA, & FL are dealing with flood damage right now that are not in flood zones.Workers Compensation coverage if you have anyone on payroll, any subcontractors that do not have their own coverage, or if you have any Statutory employees (most common would be realtors).Business Auto may be needed depending on the ownership, size, type, and use of the vehicles used to service the properties.Equipment coverage may be needed if you have Tools and Equipment you use to maintain the property such as Tractors, Bobcats, power washers, generators, etc.Builders Risk policy could be needed if you are renovating a property before renting it out.Hope this helps with some possible policies you may need.  

They can be so annoying, auto-correct!!!

I will have no personal residence in the US, and therefore no homeowners, auto insurance, etc.