Are there additional steps you take when screening applicants, or do you take fewer steps?

Any additional advice is helpful.

These are just some of the additional items that will have a significant impact on carrier's rates, your premiums, and whether we start to see the insurance market soften anytime soon or not.

There is some additional information that wasn't mentioned in your post above which sheds a different light on the situation.  1.

When you hear something STOP, think on it, ask if it makes sense, then SEEK OUT additional info, seek out CONTEXT.

Additionally, properties with high monthly costs struggle to compete with fee-simple homes, affecting resale value.

Additionally, the Kiavi portal is poorly designed.

Adding additional bathrooms (like a master ensuite) can be a game-changer.3.

Additionally, collecting the tenant’s portion of the rent (not covered by Section 8) can be difficult.3.

Prepare for additional costs: If you’re adding units, you’ll likely need to address the water meter situation and possibly upgrade utilities.