thank you all for the positive welcoming!

It also depends on the situation sometimes a HELOC is warranted for short term financial needs so long as you have a plan to get back in the same or better financial position afterwards and the "means," and "will," to carry out this financial or mortgage plan- HELOC's are typically full documentation qualifying loans so you'll need actual income to qualify whether it be from pension, insurance, rental's, etc that are all fully documented on taxes, W2's, 1099 forms, etc.

When you look at job growth and population growth, it looks positive to me.

State websites will have it in their revised codes.Look at Sutton, MA (and the county it resides) to see if anything else is on top of this.

Can people do an application online somewhere on your website or PM software? 

Next, as stated above, a DSCR loan cannot be in 2nd lien position.

With your analytical mindset and dedication, you’re well-positioned for success in real estate.

I would recommend checking the VA website for this information. 

Quote from @Ryan Konen: @Chris Seveney I've lost a job at company that was morally challenged when I spoke up they found reasons to dissolve my position.

Recommend you Google "Cleveland lead paint instpection" and read what it says on city website.