We will buy a single family house like I talked about and then analyze other deals.

If you can't find an existing multifamily to pencil out try to identify something that you could add an ADU to or a larger single family home you can split into more than one unit using ADU rules.

Unfortunately, STRs as single family homes are still considered residential assets.

You absolutely can buy a single family investment property with 20% or 15% down.

The size of the house is 3500 sqft, single story, and only a 4/3, and rather small at that BR/BA count for the neighborhood. 

Once that avenue is exhausted, go the single family route using conventional or government financing. 

He has a lot of units and is a licensed agent in Worcester MA who knows plenty about single-family as well.

I don't think I have a single insurance policy less than$800 that I can think of. 

Single. 

Doing this (renting both entire house and single bedroom rental) allows us to be able to tap into 2 separate target audiences and accomodate those singer travelers, couples coming to the area that would normally scroll past our listing due to size/cost.