Hey @Joey Ma - I came across an old post to decode the same law.

There are some institutions that allow you to use both W2s and Bank Statements to qualify if you hold a side business of some sort. 

Mike - Good point, I guess it is all about perspective.Nick - I guess it is an effective tactic for the institution but not good for the buyer...Russell - Good point that the agent should know the market and other agents operating in it.

I see a lot of 2/3 family's in Springfield MA for good prices.

But the more he advances, the more he seems to do too much business, which is too much for his level and should only be executed by an institution with a higher risk/reward attitude.An investment syndication that a single person is leading,  is no longer an interest to me.

@Andrew Freed - I'm also from MA and we're booked for BPCon. 

@Erica Swallow Did you ever find a MA sub 2 agreement? 

hello every one 😎  am new for this  but i listen real-estate rookie so i need some help here so i bought a single family house in 2019 in Massachusetts and now i want to buy a 4 family so around Boston   to buy a four family house is between 900.000-1.1m and i wanted to do a house hacking so i got 2 options to do take a HELOC for a 3.5 down payments and show for the Leander i have at lest 3 month reserve or pay 20% down at this point i don't know what to do   

Turning a corner with more inventory, more sales, still higher prices reflecting strong demand.Median Price: $660,000, +7.06% Yoy.Closed Sales: 3,615, +8.92% Yoy.12 month Closed Sales: 38,005, -13.85% Yoy.YTD Close...

May be a good idea to get another quote in case.However, most institutional lenders have trouble lending in VT, so I presume options are limited.