But I strongly urge anyone to always get Aldermanic support before proceeding because it makes life--and the entire project / process--a whole lot easier. :)IN SUM: Based on what you've shared, it sounds like you won't need to rezone if you just want to build a duplex.

@Rich O'Brien Hey, I hope things are picking up in your life now.Wanted to check-in and see how things are going as well.This community seems to be so helpful, I'm glad you were strong enough to post about your situation.

Some of the best opportunities can be found in other regions, particularly in markets known for strong rental performance, stable property values, and tenant demand.

As rental rates increase, cash flow becomes strongly positive.  

I know the seacoast of NH has been mentioned here but I wanted to point out a few options that could be considered.Hampton, a popular coastal town, has strong demand for multifamily units near the beach and a robust short-term rental market, especially in summer.

Population and economic growth, strong tourism, proximity to other New England cities.

I am of the opinion that cash flow underwriting comes second, after first nailing the long term deal fundamentals, how strong is the equity upside and market generally speaking. 

Additionally, the presence of POHs vs TOHs introduces further operational complexities and elevates overall costs due to increased maintenance and management responsibilities.However, without detailed information regarding the specific septic system configuration (gravity, pressure distribution, mound, cluster, etc.) as well as the system's age, historical performance, and required maintenance frequency, it is challenging to derive a precise expense ratio.

If you’re set on a duplex with minimal rehab, an investor focused agent should have a strong network of contractors who can give you quick quotes, so you don’t wind up with any pricey surprises.

If you’ve got strong tenant demand, proximity to top employers, or even access to public transit, you’re laying a solid foundation.