Question

present continuous vs present simple.
They all (love) animals, but they (not have) any pets because they (live) in an apartment ​

Answer 1

They all love animals, but they don't have any pets because they live in an apartment.

"Love" y "live" no se modifican porque van unidas con "they". En presente simple sólo se modifican los verbos cuando acompañan a los pronombres he/she/it.