https://www.fanniemae.com/content/guide/selling/b2/1.2/02.html  Here's a good link.I have a lender in Mass you can call.  

There will NOT be mass vacant units. 

I believe Mass Housing will finance up to 97% on a duplex, so if you can come up with 3%, you can have a reduced cost of ownership from the rental income on the other unit.

I do alot of New Construction right now I'm running two projects..I'm in Mass. by the way.

Early on, most people need to make healthy return if they're ever going to have any critical mass of assets.

The prices are great compares to Mass and the returns seem similar.

It wouldn't be the first time in history a minority is stripped of their rights because that's what the masses want.

Interestingly, some neighborhoods out there made mass-conversions to investment/rentals during the downturn because their value went down so much.

Or don't get caught in a discrimination lawsuit, in Mass they're usually settled out of court, quickly for $10k.So I'd use the qualification standards that @Brie Schmidt and @Keith Ellis suggested.and I can give you 5 minutes off-line with some insight from MCAD 781 four zero five 1845

in the Hartford - Springfield area of Western Mass / Northern CT.