Can you opt for high deductible?

Everything is highly individualistic and there isn’t a “right or wrong”, but what works best for you and your situation. 1) what is your ultimate goal for your ideal investment property?

Good cash flow, but high turnover, crime, and bad schools makes it a high risk.

High level...the average commission rate is going down, the quantity of brokers (and brokerages) are going to be reduced.

Does this mean any type of savings account, including high yield savings accounts like Goldman Sachs Marcus?

I put a SFR on the market week before last and had 10 high quality applications in 4 days (and I require completion of a free application before I show a property).

As of now I’m listening to the “BiggerPockets” the podcast and I just started since the first episode and it just made me have more motivation to accomplish my goals  I am in the process of currently changing my major from Marketing to Finance and Real Estate and I would highly appreciate any type of advice, that any of you have. 

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

It seems highly like that it will be proposed again.  

If so, why would the rate be so high?