Some states it may also be split.But to reiterate your talking apples and oranges

Joan, before this thread gets too large, please give me some time to contact APPLE so that I may get my commissions for sales!!

You are paying more than 4% for the money.APR is to have an apples to apples comparison of the true cost of the money.What if I said you have a choice of the first loan A) or loan B) 3.85% but it's 5 points in loan fees or C) no points but it's 4.55%Which is better?

Are apples stealing business from oranges?

I also am switching to MAC so, maybe, there is an Apple product?

Apartment numbers can be quite different than numbers on SFR's.It is comparing apples to oranges in my opinion.Investing in a 100 unit apartment complex is an entirely different investment vehicle than investing in 100 SFR's and the ratios can certainly vary.

If I was only projected to get a CF of $75/month per SFH, I wouldn't be buying in that market...so why use it as a comparison.Apples to apples. 

To compare the bay area to the midwest is like comparing apples and hubcaps.  

I use a shlage with an apple tv as the interface through wifi.

As you suspect, a duplex and an apartment are apples and oranges to most tenants, and the difference in maintenance/repairs/management can be significantly different on your end.One way to get a baseline is to look at other parts of your city where duplexes and apartments are both plentiful in a single neighborhood, and look at the ratio of rents between those two asset classes.