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

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

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’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. 

Applicant's monthly household income must exceed three times the rent.

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.

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

This does not apply to single family dwellings where everything is individually metered.  5. 

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