Instead of worrying about the label “tornado alley,” focus on the actual property features:How is the roof condition and age?

Emergency vendors and maintenance techs are busiest when the weather swings, holidays hit, or turnover peaks.

My market has good weather, but people simply are not looking to move in Dec or January.  

I bought SFR under 20 years old in a market with no damaging weather, stucco siding, and tile roofs for basically zero exterior maintenance.

We are still in an environment where carriers are extremely sensitive to claims, especially those that don't arise from catastrophic weather events (at least in the Midwest market). 

We don’t use modular homes, we’ve explored that route, but the cost and lead times haven’t made sense compared to our in-house builds, which end up higher quality at about the same cost.For smaller new builds (around 600–900 sq ft), the timeline is typically 3–6 months from start to finish, depending on permits and weather.

I know it's in solid condition and has MLS history from 4 years ago, visited outside and seems to be pretty nice!

That even included AIR CONDITIONING - modern technology!

If you can realistically get $1,200–$1,350 per side, you’re looking at $2,400–$2,700/mo, which puts you around a 0.8–0.9% rent-to-price ratio — workable if taxes/insurance aren’t too high and major CapEx is solid.Key things to confirm: true rent ceiling for 3/2s in Mustang, condition of major systems, and how quickly you can turn the MTM tenant.

A term that I lovingly call 'close-ability'Every lender goes through seasons where they don't communicate as well as they could, or seem to be losing momentum, or even throw out more than normal conditions (especially when hiring new Underwriters).