The cap advantage is multiple - that a banks will lend them more, there is no insurance company profit margin, they can rebuild faster w/o that same insurance c

The cap advantage is multiple - that a banks will lend them more, there is no insurance company profit margin, they can rebuild faster w/o that same insurance company approval red tape. With renters they can price up faster than individual incomes grow. But note that none of this fixes the core fossil fuel driver to the costs.