That was my wake-up call to how much insurance can make or break the math on these projects.Now on the brokerage side, I work with investors and developers trying to navigate the same thing — especially those building large, multi-story, wood-framed assets.

@Eshe Harvey What is your homework?

Numbers and math tell all.

I ask this because, if so, the math doesn't seem to be mathing (as they say).

Most houses and duplexes here do not seem to be priced to cash flow from my back of envelope math.

There is not a real way to predict the appraised value other than doing the homework yourself and perhaps using house canary/zestimate to get an idea. 

My suggestion is to do your due diligence or homework and save money.

During my property search, I found myself using basic excel/google sheet math to analyze my deals because I had to account for room rental income as well as utility costs. 

Really enjoyed reading your post — sounds like you're being thoughtful and doing your homework, which is huge. 

We all know we can run math and what the math tells us.. but tenants dont follow our math projections.