Let's create some important distinctions amongst words.

The following summarizes the most significant features of the LLC:limited liability for owners;pass-through of income to owners, avoiding double taxation (unless corporate treatment is elected);ease of operation--fewer filings, fewer forms, fewer start-up costs, fewer formal meetings and record keeping requirements;fewer profit-sharing restrictions--earnings distributed as members see fit; not based on percentage of capital contributions;entire net earnings of LLC passes through to owners in the form of self-employment income subject to 15.3 percent SECA tax (self-employment tax for Social Security and Medicare).The IRS does not recognize the LLC as a taxpayer classification for federal tax purposesFederal tax treatment is separate and distinct from the limited liability provided to members under state law.

Unfortunately, the popular news media doesn't understand this distinction either, and therefore will often draw inaccurate conclusions.While I'm sure there is a lot of politics and "dirty science" going on with respect to global warming, my guess is that most of the debate is due to the fact that people don't understand the core scientific issues being investigated, and certainly don't understand the difficulty of investigating those issues.Again, not sure if you really cared about a serious answer, but knowledge is never a bad thing...

There is NO distinction between the types of property, that is irrelevant, it is if the RESIDENCE is a single family home or not, 1 to 4 family.

@Jen Pothilat you definitely want to make the distinction between a personal policy and commercial - there may be some coverage restrictions on the commercial.

But I get a distinct feeling that some of the companies that do offer good value to investors are not on BP. 

You are fortunate, indeed.You also need to learn the distinction between "can't do that" and "shouldn't do that".What we CAN do is virtually unlimited.What we SHOULD do is rather another matter and people who don't have a team round them like yours need to learn to stay within  the limits of their team, or of themselves if they've not yet built a team.Humility can be a harsh teacher.

I look at Gurus from an education vs training perspective and use that distinction to judge them. 

There is a distinction between Absentee and Vacant.Absentee is generally defined as property that the owner doesn't live in.

Some information available on some sites seem to contradict others (namely FHA credit minimum requirements), but the trick seems to be a distinction between no credit as opposed to low credit, whereby minimums only count where minimums exist.