There are definitely 2 families, maybe some 3 families out there in more "suburban" (boring) areas that aren't too likely to appreciate quickly.In this market you have to sacrifice some cash on cash return or appreciation, tough to find both unless you spot a great deal or have a higher price point.

I was hired on the spot and later promoted.  

-Orion-No, Sunny Southern Cal!

You want an agency that routes your policy through a wholesale firm in order to maximize buying power with the insurance company (American Modern in my example).It seems for me that the sweep spot for coverage is around 50-60% of replacement value, eliminating co-insurance penalties and factoring in depreciation (find an agent who can thoroughly explain how these two things work in your policy, especially in a partial-loss situation, which is overwhelmingly the most likely type of claim you will have).

It allows you to get in a lot of tight spots that other tools don't.

I find that 3 bedroom 1.5 or 2 bath ranches are at the sweet spot around Douglas county.  

So, I am willing to share my another spot with anyone who's interested.

Even if you could change the terms or add rules (which you probably can't), you may not be able to change the practices (in short, hard to make the leopard change his spots) and they will  keep parking and storing and planting as always, or you will have to constantly remind them.

@Jean Bolger is spot on. the arches are gorgeous.

I am prepared to go with the what ever method gets the ball rolling without putting me in a bad spot.