My local portfolio lender lends at 95% LTV on owner occupied COR. 

That being said, there are areas with 2-4 unit buildings that are C or higher grade. 

However, we are now on plan C or plan D still making money with the property.

I would love to do a five year tour of the US doing live in flips but in C- or D neighborhoods. 

Investing into real-estate  requires taking risk , Lots of conservative  folks is too much for them  to bet on a house or duplex  to make money after paying the bills .Lots of nay sayers talk about bad tenants ,yes they happen do your back ground checks ,and a good location  keeps it at a low level .Not sure about Topeka but Lawrence ,metro  KC is humming along with prices keep going up for me SFH   .

A,B,C,or D.Your chances of getting the most right are higher.If you randomly pick an answer there is a chance you will miss them all because your chances are always just 25%But what are the chances that from a whole test not a single answer is "C".

If the info on the subject isn't up to date I bet one of their relatives knows how to get ahold of them ;)

If you're in the 80k range you're in a C or D neighborhood, and I'd account for at least 10% vacancy.

I've confirmed it is a time seasoning not a 6 payments seasoning and this matters because then it doesn't matter whether you bought the property with a loan or cash https://selling-guide.fanniemae.com/Eligibility/Mortgage-Eligibility/Loan-Purpose-/COR/109[…]ng-requirement-for-a-cash-out-refinance-transaction.htm)For a cash-out refinance, Fannie/Freddie apparently requires 6 months time on title before refinancing.

I could expect class C or below markets going up in demand due to negative factors (due to COVID-19), which of course is not a good thing to happen this time for landlords.