I obviously am not a decision maker on the matter but here are my two cents.

If I could have down-voted this I would have.How about some "actual historical data" that we can make real conclusions from.This stinks of self-serving data, and then further confirmation as I note that you're a RE agent in Mass.

., make real connections and work with like-minded people as we all chase our dreams!

Total house value of 1 million with half million mortgage.2) I have 250,000 Home Equity Loan that I can borrow anytime from the bank to make real estate investment.3) My family annual income is between 200k to 250k, and my goal is to buy 10 properties in CT, and make $10,000 monthly passive income in the next 10 years. 4) Specifically, I would like to buy one multiFamily house at a year, and it will create a free $1000 cash flow each month. 

I agree with others that allowing them to change terms teaches them they have the power to modify leases when they feel like it.If it costs money, they will rethink making modification requests.If vaping genuinely causes no damage to your property and they want to do it indoors bad enough, you get extra money just in case.  

Pretty simple concept.Tenants can’t make rent, and/or you can’t make your mortgage payments.Bank takes it all.

Worst case scenario she loses her job, I know she has a fallback to ensure she can make rent.

While I have worked with investors buying multi family and SFH many, many times over, for our market here in Ocala, buying ugly SFH's fixing them up and renting them out is the biggest money maker.

sure seems to be hurting the Cheese makers ….

I am very tight with my Banker of 24 years.. and when we do social things together we get to chatting.. they wont even look at someone with no experience .. unless they are a VERY high paid W 2 or business owner that is going to drop a million or so in their bank and they do it for the on going relationship.. and its gotten no eaiser.now to be fair out in the mid west and deep south tons of smaller banks that are more apt to lend on small balance rentals. our west coast banks would not even look at them .. they will only do MF and larger.. they have no interest in loans on SFR rentals.. one because frankly we don't have many .. price of SFR's make renting them out not all the great.. and they let that business go to the national Federally backed loans.. small community banks don't lend  those types of money.. its their money.