Or if you were somehow able to look at markets outside the US where local real estate markets are much less transparent.

Thank you @Cameron Moore. i am checking will local insurance agents. hopefully i will get reasonable quote from someone :)

I do have multiple income sources; rentals took over as the largest about 5 or 6 years ago, just a few years before I retired from a career in military/local government.

🗺️Where to find off-market properties:- InvestorLift and any other wholesale aggregator- Make connections with local wholesalers at REI meetups or on Bigger Pockets- Most investor-focused brokers are plugged in with wholesalers and do their own monthly direct-mail campaigns and cold-calling.

Remember that, while affordability is crucial, full coverage should be prioritized to avoid underinsurance in the event of a major disaster.

Maybe a giftcard to a local restaurant or just about anything.

The Airbnb calculator estimated higher returns than in most places I've looked, as did local property managers.

Find a few GC's local to the market you're interested in. 

Talk to some local property managers on their screening guidelines and even inquire how long they are seeing their properties sit on market to really sharpen your decision!

I have a local Facebook group with 99k members and it's just a group for our town.