I'm sure some local banks will do higher especially with a strong relationship but don't think I will fall into that category.

Where / How can I learn what neighborhoods in Syracuse and the surrounding neighborhoods would fall into those (subjective) categories?

The rates vary throughout the State because of the different millage rates and tax districts, but in Richland County for instance, the taxes essentially triple once it goes from legal resident to non legal residence. 

The market may vary one way or the other & we don’t want to be stuck coming out of pocket on the backend as well.If it was needed to get the deal done, the minimum balloon we could offer is 10-12 years. .Never SELL using "Subject To".

Mesa is a big area and can vary a lot depending on the neighborhood. 

(Like I think Craigslist is still one of the best websites on the internet, but for some people it's a total turn-off because it still looks like 1995).Capterra.com is a great site for research in this category (and business software in general). 

@Michael Ewersi can only speak for what i've done as i suspect it varies by market. 

Even from contractors on a project you can get quotes that vary by 50% or more. 

Additional Categories: Charity? 

Once someone is in your home for 30+ days, they typically fall into the long term renter category and all the rights that come with it.