(There are exceptions to this for small creditors, less than $2 billion in assets and originates less than 500 first liens/year).QM's are institutional paper that Fannie, Freddie, VA, FHA and the like require.

That is an institutional requirement.  

For what it's worth, MA law (I don't know about your state) requires that the seller's agent presents every offer "forthwith". 

@Jason Ma that varies a lot depending on the price-point of the unit(s) and the demographic. 

Not sure about Massachusetts but maybe ask if the seller can send a notification to vacate the property within 60 days.

@Joe Tomko, if is a large employer, chances are the funds are institutional share classes, which are almost always much lower expenses than retail funds.  

Any advice would be greatly appreciated.My mother owns (no mortgage) a duplex in Massachusetts.

My Friend living in Massachusetts.

I am a wholesaler In the springfield MA area trying to figure out if a deal is worth it/ if anyone is going to buy the contract due to a lot of work on the property to get to ARV.

If those places don't excite you and you're looking for a good Quality of life and lower prices, I'd say go for TX, Carolina Coast or Oregon (or any place except CA, NY, NJ, MA).