I think you need to compared apples to apples through to the end to see the comparison. ..........................Lets say you buy a 100K house and put 20K down. 20K is YOUR investment, NOT 100K.

If the schools are high ranking, you may be able to demand a higher rent so they get into that zip code, so they can get into those schools.An example for Silicon Valley - the public schools in Cupertino, CA (where Apple's campus lives) are insanely highly rated. 

Sure we have a few apples in the bunch, but we saw great cooperation from our tenants. 

I also have good tenants but one bad apple can have a bigger impact on an SFR, I think.- Maintenance - roofs etc are more for a single-family per unit than a larger MF building which has 8-12 units in a typical garden-style apartment.Again, neither of these are totally hands-free operations unless you want to invest as a Limited Partner in someone else's deal, just slightly different headaches ;-)

I was looking for a new financial/real estate podcast on Apple, and BP was one of the first that came up! 

In order to compare them apples to apples, I'm planning to review them and also talk to the insurance agent of all three companies. 

Get multiple quotes and make apples to apples comparisons.

I think you are probably mixing apples and oranges.To have a capital gains tax of $30k you would have had a gain/profit of over $150k.I suspect most of the tax you owe is from depreciation recapture, which is taking back the depreciation deductions you had while owning the property. 

She devalued my old barn because it needs serious repairs and counted towards the usability of the house and she did the same for the pool that needs to be relined.  

@Don Konipol maybe you can forward the link to the members of APPL.