Iḿ doing well and can absorb so much more than they average American, and still all the rate increases was painful.

The Fed is fixated with 2% inflation, but they are ignoring what is best for average Americans who are just trying to put food on the table.

There are people that make a lot of money to make this predictions and even they can't figure it out, so a bunch of randos on BP are all just guessing, as is anyone else.The one thing I'll say is the American economy has proven far more resilient than most expected. 

In the middle of those two extremes might be a small business with 3 years left on their lease, but they've made improvements to the property that aren't cheap to remove, such as perhaps a dental office (dentists might be pissed that I put them in the mid-risk category, but all the dentists going out of business in 2020-2021 taught us that American consumers apparently regard dental care as an optional and "luxury" spending item). 

We use American Modern Insurance for our fix n flips.

Have had good luck with german american farmers mutual for acvs and All-State for replacement.

@Andrew Joseph American Contractors is the most common used in Pittsburg (or one of).

This is generally due to the fact that this is how the American housing giants – Fannie Mae and Freddie Mac – government-sponsored agencies, separate their loan programs.Note that this is another example of where real estate “lingo” doesn’t always match with the standard English Language!

Engelo is a True American success story.

In a similar fashion, if you can imagine how much landscaping and underground infrastructure is in a golf course as compared to the clubhouse, that will give an indication of why an extremely high percentage of the property's value is allocated to the land improvements.