According to recent Fannie Mae calculations,it will take one of three things, or a combination of them to get back to affordable housing in America:Housing prices would need to drop 38%Median household income would need to rise 60%Mortgage rates would need to fall to 2.35%This widening gap is why creative investing strategies are becoming more important than ever.

Well, if approval of assistance animals was tricky before, now it'll get even more confusing.https://leadingage.org/hud-withdraws-wide-ranging-fair-housi...

I’m curious if I’m missing anything to my list so far I have (per zip code) also I currently invest in the Lansing area.Projects in the next 10 years (expected start and end date) Average household income Crime score Average home price Population growth past 10 yearsWho are the major employers And vacancy rate Job growth Tenet demographics& government and taxesAs Drew said, this is overkill...and you're missing a few things as well. 

It explains how home prices have climbed far faster than household incomes over the past several years, creating a structural gap that lower rates alone cannot close.

The personal lines insurance market is beginning to stabilize after Covid, but home/dwelling side is lagging behind the autos.

The US population is about 40 million people higher in that time frame which converts to (approximately) 15 million more households.

If you weren't living there you could get a dwelling policy that only covers the building (since the contents wouldn't be yours.).I would go with an independent insurance agent, because they can shop a number of insurance companies for your best rate, whereas if you just went with a "State Farm" or "Geico" type company you will just get their one rate.

I will also caveat my response by saying I am a relatively conservative investor with strong household W2 income and a high savings rate.I would want to hold on to the current loan on the small house and not refinance it for two reasons.

it's called "fire dwelling" coverage in insurance parlance.

Are you talking about studio apartments or one bedroom apartments or single-family dwelling homes?