That said, I'm relatively lazy and have zero appetite for C- or Warzone areas.  

This fact in its self suppresses the  appreciation for all 3 & 4plex properties, an appraiser will only comp 4plexs to 4plexs. 

As someone approaches retirement, their appetite tends to change to the opposite of all of these. 

The banks have quite a bit of variance between themselves - what they accept really depends on their risk appetite. 

I do not have the appetite for it at the moment but Port Chester is a great market with very low vacancy and only a 25 minute express train ride from the city. 

I am a buyer and have cash to deploy...I already have some under contract but have the appetite for more if the numbers are good.Thanks in advance

People have a stronger appetite to rent than to buy right now.

If there isn't an appetite for multi families in the area, building one is a poor strategy.Additionally, if you are going to try to sell them as condos, buyers and realtors might not be interested.

And just like with the food, everyone has their own taste buds, the same applies to investments - there's an appetite for every offering type as long as you know your audience. 

I would also recommend checking out First Republic as they have an extremely good reputation in the Boston area as well.I'm sure you're already aware of this but you may find that having a relationship with multiple banks is the way to go since they will have different appetites for what they want to lend on.