Thanks Ryan.

My second choice neighborhood is Elmhurst, and would be perfectly content in this neighborhood, though I've heard recently zoning laws have changed for the R-2 zone to restrict 3+ unrelated people from living in one unit.Any insight on financing in RI, different neighborhoods, just a hello from fellow Rhode Islanders, and any advice with the market the way it is as it relates to buy and hold house hacking in a B+ to A market.

It's your choice. 

@Ryan Daigle I plan to come back ASAP!

Barrack's expertise, what I found missing was a mechanism that would cause the banks to make a choice that was against their long term best interest, that is not to restructure what other wise are quality loan(s). 

Hey Ryan,I agree with you, expecting them to pay a fee seems a little unfair.

The difference is that they have less choice in this risk level than the LL who has purchased without adequate reserves.  

Q What are my choices for types of loans when I go and talk to the lending institution?

But try to align your choice with your goals.2.

He also says that because he is not laid off, he can not apply for unemployment benefits.So I guess, he is playing victim here and I feel like I have no choice but to accept his story.