Quote from @Catherine Ashmead: Does anyone know of good companies in Arizona that I can contact?

As far as a flat rate, I would talk to companies offering services as mine and ask. 

If you’re looking for ways to make the numbers work, sometimes that means evaluating different markets, financing options, or property management strategies that help mitigate risks like vacancies and maintenance surprises.You’re not alone in feeling like 2025 could go in multiple directions, but one thing remains true—real estate continues to be one of the strongest vehicles for long-term wealth when approached the right way.

I’d be curious to know what local company you found that would quote it, and if they used the CA Fair Plan in their quote. 

It got me thinking: maybe we’re solving this puzzle in the wrong places.I’m the CFO of a company that develops, builds, and manages multifamily projects, and we’ve been digging into rural markets in the southeast US—think rural Georgia, Alabama, places like that.

There are companies also that just tunnel. 

We have a local roadside assistance company here that charges only $15 a month for hassle free roadside help here at the apartments and around our valley for our student tenants  that may be new to car troubles and away from home!

We are continuing to do regular flips and wholesale deals,  4 new builds this year.

I have never owned my own property, yet grew up in a family real-estate holding company and directly understand the power of real estate investing.Since 2020 ive seen homes double in price. 

Realistically you would expect the house to continue to appreciate during that time as well... even if at 3.33% appreciation - that is another $50,000 in appreciation you would make in the 3 years - give or take.