Competitive price points.

Does anyone know any competitive commercial lenders who are OK going into second on a mix of 2-4 and 4+ unit properties and are competitive?

They have competitive rates and certain rental protections that give some level of comfort to you as a landlord. 

(Duplex househack in North Jersey) I have 5% of the purchase price saved up + enough for closing costs, immediate repairs and reserves (roughly 5 months PITI).Since the market is so competitive right now I was considering getting funds gifted from a family member, to increase my down payment (an extra 10% to get to 15% combined down) so that my offer would be more competitive.

They are efficient and priced competitively. 

It’s a competitive market right now but there’s always an opportunity around the corner!

but I also was wondering if some of the well seasoned pro's wanted to step into and give there two cents on Boston, from what I can tell, it's a very rental heavy place because of all of us college kids, but it also seems like its very expensive, so I was just curious how does everyone go about finding deals in such an expensive market?

If homes are selling for $325k and $330k and $317k : I would list for $300k ($295k) If they are selling for : $355k to $370k : list for $349k : etc etc : every market is different and you have to assess the trends, assess your pool of buyers, assess your competition (active listings) and so on… Make a move and reduce the price.

If that were the case, you could simply ask them how they can be so competitive..

Really, it's infinite because you can just add more team members as you get more properties.And I don't worry about competition because at least 80% of STR owners don't know how to market their properties.