Also a big fan of the eastern shore of maryland (I own a rental there). 

Gulf Coast like Galveston to gulf shores is going to be the most susceptible.  

We had a Shore Drive Condo Assoc have a ground fire a few years ago that was the fault of underground wires and they did not have enough insurance to rebuild. 

I look at the property as the temporary resting place the asset sits in, until it is moved to a better place (more value/profit).

Using it saved my bacon on my first potential guest who was not a travel medical professional - just someone new to town who needed "temporary housing".

Call Eastern Savings bank or Shore United bank.

It's very likely that Sioux Falls is just an outlier because of some little bit of data that is higher than normal this year because of a temporary thing.

I was able to get a HELOC on a second home at the jersey shore that is also used as a rental property with Citizens @ Prime -75bp with a further 25bp reduction if you linked the account to a citizens checking account. 

Did they also shore up other portions of that 65 foot run that apparently was leaning? 

And it really depends if you'd sell these properties down the road, refinance them to buy more, etc.You should also talk to your Realtor about what sellers are willing to offer in your market when it comes to temporary buy downs the seller is willing to cover via a seller credit.