United Kingdom
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At least in places where rents are £3k per month (implying a house price of ~£600k), owner-occupiers (and the mythical responsible landlord) can actually get the work done knowing they'll get it back when they sell. On a £100k terrace oop north (~£500 rent per month), house prices can't rise enough to cover the cost of £10-15k spent on insulation.
There are a lot of terrible properties in London because the economy has renters over a barrel. But there are a lot of terrible properties elsewhere because London has the rest of the country over a barrel.