Case in point, I'm going to attach a before and after example from my real estate website, I would post the link to the page that contains all the other before and afters but pretty sure that is against terms of service. 

Clearly this is also the case in northern Atlanta as we have bad pockets in northern Atlanta as well.

Case in point- HomeSmart offers me nothing in the way of leads...nada, zilch.

@Brian Briscoe I can see how vacancies & thus rent would be affected in upper B & A class units, though I wonder if that would be the case in medium to low income or government subsidies housing where you'd expect less tenant migration during cold temps.. 

@Darius Ogloza not the case in this situation.

Owner or PM should handle lawncare when dealing with a duplex.I know you manage a ton of properties and you obviously know what you're talking about, but that's not the case in my market.

@Wayne Brooks  Exactly what I was talking about.... and post GFC for about 2 years a lot of stuff happened that was unprecendented.. this is not the case in todays market.. the banks have figured out how to handle this.. rules and laws and harp and all the other stuff have come into play.On top of that as OP said consumer or Owner occ debt is highly regulated.. they can't sell notes to anyone who is not set up as a licensed servicer or has one...

Case in point, Kevin Bupp, who now does mobile home parks.   

I've found this to be the case in Indy.

It is my view that a property that is zoned to allow only a single unitc which is the case in your case, should qualify for SB9.