There are many different ways our legal system abuses those who have insurance with ultra high limits. $1million in umbrella coverage stacked on top of the underlying liability coverage for the property is more than adequate. 

Dayton is a great market for high cashflow.

.-  Does the service make ridiculous claims like having data scientists and engineers on their staff?    

If you're planning on keeping properties as LTR, I HIGHLY recommend Heather Turner's (Brandon's wife) book on managing rental properties.

No one even mentioned it being too high.

Interest rates are really high compared to those of recent years.

And we live in CA so our tax rates are high.

I was just wondering what data Zillows sees that makes this market much hotter then anything else in the US?

Look for properties in areas with high rental demand to maximize your potential income.Renovation: Invest in renovating the basement to make it suitable for tenants.

Therefore the property types that are the most favorable to generate bonus depreciation will be those with a high degree of what the tax code refers to as "land improvements".