Insurance premiums are reflective of the loss risk being insured.

. - Manzanita, Arch Cape, Cannon Beach, Pacific City - Already well established as the more prestigious zip code on the Oregon Coast and just a quick drive from Portland this northern coast region offers premium restaurants, experiences and accessibility.

You put on a new roof for $30K but the market won't pay you a $30K premium just because of it. 

They equate the period leading up to the time its ready to rent as the risky part of the real estate process and pay a premium to bypass that part but this leaves them with unreasonable expectations because the real estate they purchase is inherently risky.

Folks still like gas for cooking and it can be used for the fireplace to avoid wood/sparks/soot/etc.

However, this only works in premium neighborhoods like Sycamore Square.

Planned energy-efficient HVAC installations will replace outdated ceramic heaters, reducing tenant utility costs, lowering insurance premiums, and qualifying for utility reimbursement programs—a win-win for tenants and investors alike.Inflation HedgeReal estate is historically a strong hedge against inflation.

Overall they pay a premium on rent.

You also need to consider that at a lower percentage of money down you will be paying a Mortgage Insurance Premium or MIP. 

For a quick turnaround during the holidays, that rate might reflect premium timing.