The other two units cover all of the mortgage (premium and interest) and the majority of the insurance and taxes.

One of the main components here in the risk premiums (though not the entirety of it by any means) is the function of demand. 

@Nathan G.I think Nathan is absolutely correct in all aspects here.When I screen someone, I place a premium on honesty and candor.

Also some advice on reasonable coverage amounts.For now I just went with my current provider and used the numbers they suggested but the premium is bit higher than I, and my Realtor, expected. 

They are charging a premium for this turnkey.

If you're renting to digital nomads who are paying premium, they may require 1 to 1. 3) I rent mostly to millennials in the Denver city center and most often find my residents on Craigslist.

Builders are at a premium right now.

I have looked into mckissock, it offers the 60 hour course but you have to pay for a "premium" bundle to get the 30 hour post course. 

If you do not want to handle the tasks yourself you can call your preferred local disaster remediation company and they can handle this for you, for a premium of course.

For example, painting the exterior of a building might not seem like a value add because residents live inside but it's major curb appeal and it increases the volume of resident tours/applications thus allowing for a rent premium.