EDIT: Also wanted to add that my HELOC is a total of $105 but that was based on a lower value before we fixed the home up, I'm not sure if I  can refi the HELOC for more equity as we just got it in June of 2020.

Edit: I don't see the issue with putting people first, building relationships, or admitting there's always something more to learn.

Higher risk areas or properties, an investor needs a premium to take on that higher level of risk.

As of today it is free to list on Apartments.com but they do have a premium listing model.

You might pay a monthly premium if you went this route but there are definitely ways to still get into the deal. 

It's $100 or it's included when you upgrade to Premium.

@Matthew OlsonThere is also a way to refinance earlier by doing a one time premium for the MI during the refinance.

Do the buyers in any neighborhood focus on value or will they pay a premium for better design?  

Or ask if you have any value-add potentials in the property such as update renovations, expansions, creative financing sale (people keep forgetting about selling on C4D in high desire low inventory markets, and pricing for that premium). 

Insurance premiums could be higher with a pool.