Depends on where you are in the city and what size multi-family you're looking for.

If vacancy rates doubled in your city, could you survive? 

Are there any specific primary residence loan programs that you are seeing in the Baltimore City area?

Cleveland Heights is one of the slowest cities around here.

The City keeps changing the rules and none of us know where it is all going to end up.

Depends what the city says.

The market for sure is not a Austin or dfw market but Tyler being a growing medical city, it seems to be growing well. 

What you don't want to have happen is you get the perfectly-appraised property and then the bottom falls out of the city it's in and the values go into the trash and you can't recover (different than a general real estate crash, because those tanked values will come back up...just don't sell while they are down).All the while, have that steady cash flow in place. 

We have a great handle of the city, and my day job allows me to travel to all of the smaller communities surrounding it.

I'm looking for recommendations for handymen who work on the North Side of the City of Chicago or in the Western Suburbs.