I think what it comes down to is getting the property to be competitive in the nature of the features like I mentioned earlier.

My layman's understanding of NAR's long standing anti-Trust argument is that broker cooperation via the MLS increases competition, and thus good for the consumer. 

Currently the city is an absolute seller's market -- most decently priced homes are selling within 24 hours of being listed, to where it's hard for me to be competitive without going excessively over (I'd be putting only 3% down).

For Philly, I found Safeco typically has the most competitive premiums for landlord policies. 

We’re in the same boat, trying SO HARD to buy a primary residence but competition is stiff.  

@Anthony Phillips It is a little bit complicated, but that weeds out a good bit of competition.

What was competition like?

.• The nice parts of OC will not allow you to add an ADU.There are opportunities in OC, I just closed last month on a SFR in Aliso Viejo.Stay away from the newly remodeled SFR's, the deals are in the properties where the owners don't have much equity, can't remodel or fix up the properties, and there's no room for anyone to do a Flip, so that competition is off the board, this is the target range.

Does this rate sound competitive? 

Booming area and stuff priced at or below market are very competitive.