A good area...college town.

Which one is in the better part of town?

We meet monthly in town and discuss all things real estate related.

Do you think I should work with a local developer or with an out of state/town developer?

Here is the situation:Local bank --  they keep all paper in-houseWill do 80% LTV on 5/1 ARM with 20 year AmortAs long as the purchase price is less than the town assessed value (this was way less) they did their own "Property Evaluation" (no cost)Although I submitted paperwork the process wasn't anything near normal...we really about 1 week + whatever time it took for the title company to complete the search and we were ready to close...had to wait on HUD of course but we were ready

May touch base nwxt time in town.

A few months after the split, I found a nice 4 plex in my town that was in pretty good shape and I'd house hack.

Southbridge has its problems just like any other mill town but people will always need affordable housing and the Town offers excellent services.  

Finally we just drove around town and wrote down addresses we were interested in.

@Clifton Brown find the guy in your town that is doing what you want to do, then ask them who they use.