Primary targets are located in cities (100k+) with positive population growth over the past five years; possessing easily identifiable macroeconomics. 

I of course want the dream of passive income and simply taking care of my properties etc. 

I am a new multifamily investor (5-20 units) along the Front Range specifically Boulder and Jefferson Counties and am having the same issues when it comes to getting quotes.Brokers and agents have told me that some areas near us are simply uninsurable now.Most owners that I meet have are still in policies from before the fire.What have you learned in the two months since posting this?

I would have simply said they the ceiling fan stays when they move out as its an upgrade and a light fixture is a "fixture" aka once attached to real estate it legally becomes part of the real estate and YOUR (the landlord's) property.

Alternatively it could mean there are neighborhood fundamentals that were late to be identified or recently created that lead to an emerging neighborhood. 

You are simply making them uphold their end of the contract.

I'm not in your market, but once I had specific properties identified I called around to get quotes for lawn, pest, and internet, and then got average monthly expenses for utilities and added a buffer to get my OpEx.

They simply click the button to submit a general inquiry without knowing anything about the house, the location, or the qualifying criteria.

This is why the agencies don't let you swap out management companies, or engage in unexpected mass-renovations (as opposed to simply renovating on turnovers), without their prior approval.

I have (4) properties out there simply because of the price point compared to MA.