As stated, most lenders will require some level of capital and will want you to show collateral.   

However, DSCR Loans are also strictly for business purpose only, so don't work for house hacking (can't live in any of the units) and if refinancing into DSCR, would have to have moved out and well documented a new residence if you go that routeAs an out-of-state investor from California, should I work with lenders in California, lenders in the Midwest where I’m investing, or does it not matter as long as they can lend?

If you are looking to just obtain the 25% redemption rate set by the state for properties that are limited to 6 month redemptions.

Please note that I have 25 years of experience renting out apartments and houses in three other states, but I’ve never done so in MA, so I don’t have experience with local MA laws or vendor expenses. 

My current portfolio consists of 8 units, a fourplex, a duplex and two SFHs, in 3 different states.

I've been setting the record straight so many times against unwarranted criticism and ignorance about the country and its state of affairs  (while acknowledging its issues) that maybe the government should make me a honorary citizen!

If its an attorney closing state same thing ask the attorney or one of their staff.Generally though be care of those reaching out and promising rates that are simply better than current rates thats almost always a fake lender or a bait and switch..

It's one thing to say that "a typical tenant would likely stay for X years" and another to say that "on average, across our properties and thousands of leases, we see that tenants stay X years" -- the first one is a bit of an assumption and the second one is a stated fact. 

I work with tons of investors, both local and out of state and 1 very common problem I see that is holding new investors back from getting a deal is 1 simple thing... getting stuck on the list price.

If you are out of state, who connected you to the contractor and what references did they have?