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

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).

That 95% makes sense as an appreciation return, but for true CoC, you’d need rent income factored in.

I could be wrong due to glancing and it is only noted here as some investors may evaluate deals with that as a factor.

Keep in mind, while the projected performance is very important it should not be the single driving factor in your decision.

There are at least a couple factors at play.  

Then remember to factor in vacancy and turn over cost.

Experienced managers can help evaluate potential investments by providing insights on rental demand, market rents, tenant preferences, and location-specific factors that affect leasing success.For example, rental properties need to be close to conveniences like major roads, shopping, and schools.