Quote from @Mary Jo Carruthers: @Albert Hepp Did you know that there are quite a few non profits and also the city of Austin in the austin texas area that provide down payment assistance for first time home buyers?

Jersey City is hot right now but like I tell my clients the majority of the time I can find them deals that make more sense in Essex County but that depends on the client and what their needs are along with their comfort level. 

IF the City does not limit to four total, there is a scenario where the City MAY allow up to 10 total units on single family zoned parcel

What they do not know is the city, state, and your locations that you want to target.

Hi BP,I am exploring a Multi Family (2Family) investment in jersey city heights (close to christ hospital). 

@Mike Grudzien @Tim Delaney do you guys think it'd be worth joining a credit union in the city I used to live just to get the rate even if I'm out of state now, will they still give a better rate? 

Each property comes with its own set of risks and every investor must understand those risks and do the minimum - get 3rd party inspections, 3rd party appraisals, verify rents, jobs  and crime rates at city-data.com - before buying.

You can also appeal directly with the local tax assessor office in your city.

Does anybody have experience with that country and where is a good place to purchase, preferably out of city?

SB9 was state-wide, so it's up to cities to implement.