It’s hard for new landlords. People that bought houses to rent compete against property owners of paid off homes or people with 3% mortgages.
Tacking on optional insurance products on a property that’s already in the red further encourages landlords to push up rents prices.
Maybe people shouldn't be buying homes for the purpose of renting them then?
Well yeah, it's also hard for any random person to start an oil conglomerate having to compete against ExxonMobil