So any information will be very much appreciated.  

When I tried to get it when my side of the family found out and tried ti take over reverser mortgage payments to bank because she had died it was to late so they sold the house to Hud and then other reverse mortgage companies but a relative still lives there so they can't kick them out.

This will give you some info so they are not guessing on what will be needed (they probably already know rough numbers, but each project is different).

This is a marathon and not a sprint, so look at it like that so that you can have a long and fruitful career.  

Plus at night, many business areas are dead quiet so it's very peaceful.  

.: So I have been thinking the last number days about a particular scenario. 

There is so substitute for experience.

We primarily focus on residential multi-family and so far we have stayed in the Western Mass area.

I say this not to discourage you, but rather to encourage you to prepare for what lies ahead so that you have the best chance of success. 

If so, this is the RISKIEST option.