I'm not sure how I should proceed because I want to press the issue feeling that I'd rather the seller disqualify me than be out of the game based on fear of rejection or an agent that may not understand what I'm trying to do.

So I suppose I must do as the politicians - press the flesh!

Hey Rob,You will be hard pressed to find duplexes, triplexes or a fourplex in Toledo in a decent area at a solid price.After buying hundreds of properties over the years, those types of deals are a dime a dozenFor whatever reason they hold their value and not many folks are willing to sell at a discount.I suggest not investing in lower class assets from afar as it's just too volatile.The paper numbers look great but real life is a different storyMuch success

It should work with the caveat that you stay away from the standard tiles that are made of pressed cardboard or whatever it is.

.  $$$, but I just see this as bad press waiting to happen!  

src=/press/press_releases_media_advisories/2017/HUDNo_17-072

If directly in Cambridge (Harvard, MIT, Tech booming area) or similar "hot" areas and in the prime season any tenant would be hard pressed to find an apartment by owner without the fee.

In my experience, you'd be hard-pressed to find even 100% financing if you did find investors willing to go in 2nd and 3rd lien position, let alone OVER 100% as-is value. 

In an effort to increase awareness of this important issue, defendants also agreed to place over 60 postings on Craigslist informing other Craigslist users that the Attorney General monitors Craigslist for discriminatory advertising and that it is against Massachusetts law to state a discriminatory preference against families with children or against recipients of housing assistance subsidies.http://www.mass.gov/ago/news-and-updates/press-releases/2009/ag-reaches-statewide-settlement-with-20.html

@Gregory Press I would definitely increase your vacancy, I typically use 8% as after a year you'll basically have 1 month's rent saved up (1/12 = 8.33%).