I also think what a lot of people on BP miss is the percentage of homes that are either owned by super wealthy investors or just investors is very low.

On https://www.neighborhoodscout.com/ you can also check the neighborhood crime and the percentage of people who rent compared to owning.

By the end of this you'll know more than a double-digit percentage of landlords. 

Those that choose and can rebuild, will most likely not build back to the extent or scale due to feasibility or costs or unanticipated new zoning, infrastructure, insurance and legal variables.

There are many variables that were not in your post that we would need to know to point you in the right direction.

I'm not sure I can copy and paste my Excel spreadsheet, so i will approximate the numbers here.Strategy:Take a Home Equity Loan (second) on our primary @ 5%.Pay off existing HELOC (variable, at 7.5% now), use remainder ($120k) to buy the land (plus 30k of our own cash).

Cost segregation can be utilized for many different scenarios such as new construction, properties already owned and newly purchased properties. Generally, the properties that benefit the most from a cost segregation ...

They were fine with my score (about 740), but have issue with the percentage of personal credit I am utilizing, so that discussion also petered out.Apparently, I have a lending profile right now, that is not attractive to mainstream lending programs.Any advice?

As it relates to habitation exposures, it appears that there may be a leveling off in premiums, rates, and deductibles here recently, but there's so many different variables that it's really hard to make a blanket prediction for 2025 (or the future). 

- The same can be said of high percentage increases.