Insurance premium determinations  are more localized where the carriers price perceived risks into their desire to have market exposure (if at all) and how to price that exposure. 

Thanks I can definitely see the Westside being a good market for section 8 for price to rent ratio and comparative of purchase price.

I am in Tampa so different but similar market. 

And hey, if you ever think about expanding beyond Louisville, markets like Austin and Scottsdale are buzzing with potential right now.Keep pushing forward, and don't settle for less than you deserve.All the best,- Jasper / Pat AboukhaledTurning investment visions into reality in Phoenix, AZ - Ranked #1 for residential real estate growth and opportunity by PwC

The key is to create an amazing property, in a great location, then manage and market it better than the sub-par property managers in the area. 

We hit the sweet spot by spreading our costs over a larger floorplan and providing something that the market demands.

The office rental market is experiencing a puzzling trend: office vacancy rates are soaring, but rents continue to rise.

The damage to the property can be handled over the next several weeks (large tree on roof, landscaping destroyed), though it is unclear when we will regain power and water (potentially weeks beyond repair?).

Study the market.

A PML in markets like Phoenix probably didn't have a great time getting short-sold in the great recession.