Practice your pitch. 

I have an application for new insurance, but I don't know what best practice is for covering a multifamily brownstone in Brooklyn.

I like the mechanics garage one could also take massive cost seg on all that equipment.. and same could be done with doctors office.. i did that with a dermatologist a few years back and it has worked out great helped young doc walk right into a functioning practice without her having to go borrow hundreds of thousands to outfit a shell..

In all those jobs, practice your Spanish as much as you can. 

You are overestimating these numbers.Speculations as to why: tenants in these particular rentals may be tolerating a lower standard of maintenance than you think and thus everything wears longer than you think it will, I may have a different relationship with my maintenance people than you do (actually I don't let my management company do anything and I'm very involved in maintenance, I know how to do practically every necessary task, I manage people directly and sometimes I'll do a few things), there may be an error in your calculations such as you're assuming two units in a duplex don't share as much as they really do (they still share roofs, yards, and many other things), or something else entirely.Either way, your numbers are way too high and I will not be able to answer why in more detail or provide you with my exact numbers without spending a significant amount of time on this. 25% ain't too far off. 

A few more practical things to think about:1.

Practice your pitch!

Find Brandon's videos on YouTube for the "four square" method of analyzing homes and practice.

, but it's practical. --- I'm not trying to be negative on any of the options btw, just realistic.

It is Oligopoly at best.      2, Apple's questionable business practices.