Insurance will be more on the property, but likely less on a per unit basis.A SFD will be more marketable and sensitive to utility and functionality than a multi-family structure.

Most insurance companies will want to insure replacement value instead of functional value. 

Thanks for the "visual" (lol) AND the inputAfter all the chaos between banks and the government, with the latter re-writing the "rules", it makes my blood boil every time a realtor tells me, 'the banks ARE IN CHARGE!'

The search function up top is great to look for past articles on your topics.

As a small tip on your search, use the clipboard function on your computer to copy the owners name from the property appraiser's site and then past it into the County Clerk of Court site.  

The functionality is a bit twitchy, but try this: Type @ and a few letters of the name you want to tag, no spaces.  

RE isn't going to function as an assembly line producing a product at a certain output where the market is consistent.

I put much time into writing, simplifying and testing function logic.

I'm not in a creative functional area.

can it simply be a function of the sales price and/or ARV?