Again, the two situations may not be apples to apples, I'm just going off of the info you provided. 

I'm considering getting out of the Mid-Term Rental Game.I purchased 30 apartments (two 10 units, a 6-unit, and a 4-unit) for the purpose of running them as Mid-Term rentals.Currently, half of them are being run as MTRs while the remaining are still LTRs.My MTRs average $1,600/month while the LTR rate $900/month.Now that I have some data, I wanted to compare apples to apples for MTR vs LTR revenue.After adjusting for the increase in Insurance, my VA for communicating managing, and supplies/increased repairs it's looking closer to $1,200 for MTR compared to LTRs $900.It's a lot of extra headaches for $300 more per month.I'm also having trouble refinancing these properties because banks hate seeing anything but LTR.

And if fixed I/O, what happens to cash flow if/when loan goes to amortizing?  

So instead of the apples to apples number being $565,000, we add in the $550,000 of equity that she already has by owning the house outright.

Would you buy Apple at $300/share if the market is going in the mid 180s/share?

Thanks for trying to keep it apples and apples.May I comment:  what about dividend compounding on the S&P ETF? 

Unfortunately a few bad apples ruin it for the bunch.

Legal descriptions in those states can rely on the old apple tree on farmer Brown's property as a boundary. 

Can you try to utilize a 40yr term or I/O period to lower the payments a few bucks?

My income level is under 50,000I have plans to buy Apple stock with the money.