Even properties with a mother in law quarters, a tiny house, or a garage conversion.

Maybe south Seattle has a tiny bit of room, but not another 10 years of 10% appreciation.

It comes down to material types, roof age, claim history for the property, claim history for surrounding properties, rolling catastrophies in the zip code, credit, loss history for the applicant, profitability for the other insurance companies in that area, age, marriage status, and many other tiny/annoying factors that us brokers cannot see. 

Great discounts usually happen when large quantities of real estate assets default and become bank owned.

For that they might only want to invest a tiny amount and see how it goes, want much higher returns than what very seasoned investors offer to invest with them, or both. 

I think the Average for a 1040 is like $400-500 - so keep in mind that's an average that includes big cities, and also what people are charging in tiny towns. 

But to each their own :) Most don't on here so you are in quantity company. 

I think the hoarders are among the strangest of afflictions - floor to ceiling junk, with tiny pathways/ trails to come and go.

Think quality...not quantity.

Add ‘passive’ (cough:cough) income- start small with goal of eventual increase in quantity/quality with increasing knowledge/funds.