I called a few attorneys in my region and they all seemed to be really against wholesaling or simply didn't know nothing about it.

It is highly desirable to blend uses into the area thereby protecting the residential character of the area; but not create architectural or traffic conflicts nor permit the commercial development to expand into a regional center of such scope and variety as to attract significant volumes of traffic from outside the neighborhood.Even though I can think of innovative ways to increase the rent and current job market in Bakersfield with plenty of jobs in Oil and gas and agriculture section make this increased rent very doable, but I see that as wishful thinking and when making an offer, I want to be as realistic as possible and I will not hope for any income above fair market value.I have a feeling that most challenging part in real estate is finding the right property at the right price.

I also tried to find unique light fixtures that were not the common off the shelf type the appraiser usually sees, not so much for every room but the kitchen master bed/bath will be noticed. $50 more on sale items out of a unique lighting store over the mid-upper end at a box store makes a good impression.

Regional carriers tend to be better for rental portfolios as the underwriters are fairly local and they have a better grasp on values and coverage options common to your area.

But you might want to look around and see if there's a smaller regional company that can offer you better rates than the national companies. 

Maybe something unique to the company you're using to run their credit? 

Costs will vary by region and by the size of the addition, but this shouldn't be more than a 2-3 day job for a competent contractor.  

A diverse portfolio further hedges against this possibility, as you are not isolated to a single region.

Step 1: Get a HD or Lowes commercial accountStep 2: Spend an absolutely ridiculous amount of money in a stupidly short period of time.Step 3: Get called by the super squirrel secret regional manager and given the construction illuminati decoder ring.Step 4: Bypass the big box store entirely and go to the wholesaler.Yes, Virginia - the secret handshake is real.And my non-smartass answer is: It's worth it to get the discount.

So many of the houses were unique.