Just be prepared for higher rates and possibly stricter terms.

I'm preparing to send my first wave of direct mail in the next couple days (planning to buy the list on Saturday [600/700 or so] and yellow letters on Sunday) and I've sort of been ignoring the idea of doing direct mail "in-house" because I don't fully know the details.

I'm looking for advice on areas of Jacksonville or nearby to buy a 2-4 unit property for a personal residence with a small family.

If the building is currently recognized as a single family residence,  then you are changing use and presumably will need to sprinkler the building and satisfy other fire rating and STC rating requirements not to mention the added costs of having to run mechanicals for multiple units, multiple kitchens, additional bathrooms etc.  

Franklinton is undergoing rapid transformation, with developments like The Gravity Projects, new breweries, and an expanding arts district driving change.Safety and Future Outlook:Increased Investments: New developments bring better lighting, public spaces, and infrastructure, naturally improving safety.Community Growth: More residents and businesses create activity, discouraging crime and boosting the neighborhood's vibrancy.Police and Outreach: Enhanced patrols and local organizations address crime and substance issues.While challenges remain, ongoing investments and gentrification make Franklinton safer and more attractive.

The resident takes care of everything and usually stays 3-5 years at least. 

Most residents are going to look for the best value for their voucher. 

Site Improvement and Infrastructure Development - What does it typically cost to prepare land for residential use, from clearing to grading?

However, it’s important to price competitively and be prepared for buyers to request concessions.

Investment Info:Single-family residence buy & hold investment.