I'm surprised Saugatuck set a cap. 

Each time reported to local pd which is surprising only two blocks away.

I was just surprised that when I asked to change the policy to rental, the first thing he asked was if there was a damage after the hurricane I think a few different things are in play here. 

EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!

Quote from @Angel Peng: Currently in contract to close on my first duplex but the Landlord insurance cost took me by surprise.

The areas you specifically mentioned have seen growth due to those factors (Buckeye - industrial expansion; Surprise - TSMC plant relocated). 

Baltimore City has a massive vacant housing crisis (no surprise there!).

Really well...which surprised me.

I can't speak to the BP rules and how they are enforced and things like that, I was actually pretty surprised they banned him.

EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!