If you're going to a bank, you'll want to look for a smaller, community bank that has a history of lending on retail centers and multi-family...what they call "CRE" lending vs the owner-occupied "C&I" lending.

Personally all of my STR's could at least cover themselves as LTR's, although I acquired most of them pre-COVID and it is tough to make a retail investment at current rates and values that work as both. 

A good rule of thumb is this:  Be careful and fully understand the risks of "getting in bed with the government". 

My Partners and I have been buying Brooklyn small multi's (2 to 4 Unit buildings) since 1998.We currently own 9 of these buildings in various neighborhoods including Clinton Hill, Bed-Stuy, Windsor Terrace and Ditmas Park.Total Assets would be somewhere between $15 and $20 Million in the portfolio.Every since we bought the first property, which was in Ditmas Park for $340k in 1998, everyone told me it was crazy.I continue to hear how crazy I am to continue to buy every one or two years since 1998.That $340k Property in Ditmas Park is worth $2 Million today.

The Philadelphia-area retail landscape is evolving, with experiential retailers claiming anchor spots at Moorestown Mall, Neshaminy Mall, and King of Prussia Mall.

Could there be an existential threat in multifamily like Office had with Covid or Retail had with the rise e-commerce?

He purchased a relatively inexpensive ($210k), 3 bed 3 bath townhome.

I can’t imagine an ADU would be very beneficial, and most dont have a basement to convert into more bed/baths.

Opposed to buying used one at retail. 

She says she notices it in bed and has to put the bed a certain way (like with head on higher part).This doesn't seem to be enough of a problem where any part is unlivable or that requires immediate attention, but the main jist of this post is, where would I start or what type of business or contractor could I start with to find out about this?