.: Quote from @Donald Hatter: Option 2 is the last option I would suggest.

we just poured 5 foundations in Columbus Ohio in the last month the total packages with sidewalks is less than $30,000 and that's cheap.

Hurricane Helene was the biggest flooding event in Tampa bay in over 100yrs just last fall.  

What's the last deal you found in Newburyport?

On top of that, many policies have become more strict (especially in the last few years) with replacement cost language because replacement cost estimates did not keep up with inflation for a period of time AND/OR replacement costs on many older properties had skyrocketed so it made more sense to calculate replacement values with functionally equivalent rather than exact materials.

Don't forget to ask when the last time everyone's rent was increased - with section 8 you can only do that once/year. 

The tenant fails to pay their last month's rent and leaves the place needing new flooring and paint.

My company has gone through 3 dishwashers in the last 12 months and it has been an added expense.

We have vacationed in this area for the last 9 years, infrastructure is building, and teardowns and renos are rampant. 

@Saul Vargas what other city saw a 23% increaes last year?