Also in the town ordinances, there are parking slot and green space requirements.

There are a lot of sharks in the water.

I haven't searched BP about him yet but I will as soon as I post this.I really want to buy a duplex this year but I don't want it to destroy me in the process but I'm already encountering crooks and sharks. 

You've got to learn to swim with the sharks and your agent needs to better prepare you to do so! 

The margins are razor thin in NYC but that being said I have a friend who bought a few 1 bedrooms on the UWS with his family and they were doing well before the virus. 

I’m looking at properties out of state where I can at least dip my toes in the water without them being ripped off and devoured by a great white shark.

My HELOCs are in the mid to high 3's. Lots

@Kenneth Mims you would be looking for a blanket loan, however if you don't need the additional mortgage slots it may be better to refinance them each individually, but it will depend on many factors including the lender.

We are collectors of all things mid century modern, and bidding on household items is a lot less daunting than competing with the sharks for houses! 

That requires a lot more effort than putting a few quarters in a slot and pulling a lever.