@Robert Hutsell @Jason Bott is right there are geographic distinctions that can greatly vary the policy pricing, if your property is located in Del Rio, you may be in a sweet spot as far as rating structure goes! 

The distinction on larger properties is between a sponsor and an investor.

I know they are both distinct in a way but that's just how it goes sometimes.

The valuation and market value of a multi family property differs from a single family and you want someone that understands the distinctions if you go that route.

I think it's worth making the distinction because I can eliminate a property that won't fit my buying criteria a lot faster with the former than with the latter, but Michael Blank's is a lot more holistic and includes nice stuff like different classes of equity and their respective returns, etc

Would we each apply for distinct loans and then pool that to make the purchase or would we be able to share a single mortgage between the two of us?

I combine repairs and cap expenses because there is a fine line distinction between the two on some items.  

. , I think you made an important distinction - all inside and outside pets.I hate to throw a monkey wrench into things, but make sure they do not have Emotional Support Animals.

We also may be getting into a distinction between someone who occasionally may assign, for a fee, a property he has under contract, and someone in the BUSINESS of getting properties under contract and trying to assign those contracts for a fee and the not closing on the contracts he’s unable to profitably assign.  

I think that the "Feds" needs to be separated into their distinct buckets.