@Louis Siano Talk to a local bank and ask about Mass Housing. 

Hello BiggerPockets, My younger brother is under contract for a 4-Fam in Webster, Mass and he is buying through a conventional loan with 5% down since it is his first purchase.

In Mass, I can insure each building under its own policy and each one has it's own liability section.

Hello - I’m looking for banks in Massachusetts that will write commercial loans with seller financing. I’ve been striking out with most of the local banks. I’d be looking to put down 15% and have seller financing for ...

Im willing to get anything in Rhode Island or Mass, as long as its a good deal. 

But in the case of mass flooding like this the homes cannot be put back together quickly.

@Steve Mager I do this all the time for Mass.  

I'm looking for recommendations and partners in Worcester Mass.         

The mortgage industry has shed tens of thousands of jobs, including 5k just yesterday, and mass layoffs (either official, or unofficial by making working conditions more onerous so folks quit on their own) for each one of those companies I just named too. 2020/2021 mortgage companies that IPOd/SPACd at $16 or $20 a share are now selling for $4 or $7 (talk about a fire sale!). 

It's hard to unlearn muscle memory built up over many years of use, and I can see you've been here some years.