This subtle interview (for lack of a better term) of each will give you different opinions and perspectives from different agents depending on their experience levels and current knowledge.

The addition with the bathroom is only on the ground level.

If not, you may want to pay the extra premium and get Replacement Cost.Property Characteristic Example - If you have a finished lower level, Back-up of Sewer for $50 probably make sense.  

I am part of a mastermind here in CO where we do exactly this, keep each other accountable and push each other to grow to the next level.

Nextdoor neighbor rehabbed the property and added a level.

Lastly, that star rating is pulled at more macro-level data.

Junk fees like these will only invite heavier regulation at the state and federal level. 

I honestly feel as though sometimes I'm not moving quickly or that I can be doing more or taking on more and not realizing I have been able to accomplish task that wouldn't necessarily be deemed as "easy" or "for beginners" (I say this with the upmost humbleness) But I guess that feeling keeps making me push to new levels that have me look back and think wow.I really appreciate your comment and want you to know that it really did have a resounding effect on me 

Clearing the land, leveling the pad for a house,  hauling the rock and building the driveway, trenching for water and power, septic systems,  footers and concrete slabs.

While there are great tenants in all income levels, but in lower income areas, I typically have higher and more frequent turn over.