Water-based poly that doesn't add an antique amber tint is more difficult to apply well and is also more expensive than older oil-based poly, especially the high-gloss sheen variety you'll most likely be looking to use.Flooring outfits that install everything and also claims to do wood floor refinishing will typically not send moonlighting custom woodworker subs with extensive experience to your job.

Building codes change, and change frequently however.

I need to be accessable to downtown Boston, but also to the north shore as my girlfriend works frequently in those areas. 

You’ll also frequently hear on BP that the intent of your first deal isn’t to make you a ton of money it’s to get you experience.

Areas frequently mentioned on BiggerPockets include Kansas City, Indianapolis, Memphis, South Chicago, Detroit etc.

I have seen such a variety of 4 and 6 unit properties in Bremerton that Cap rates may not apply as much.

Of any variety, SF, MF, commercial, doesn't matter.

@Linda Weygant What's most likely happening is when one agent quits, which happens pretty frequently, your contact information is passed on to the new hire, and the cycle repeats. 

@Daniel Boyt  Fannie Mae guidelines allow for refinancing and taking cash out within 6 months of being on title - the lender you are talking to may be a portfolio lender with their own guidelines, or have overlays (stricter guidelines over and above agency guidelines).You may want to talk to a local broker - they will have access to a wider variety of lenders offering conventional loans without overlays.

A friend of mine has a small studio cottage on her property and frequently gets $100-150/night on non holiday weekends/weekdays (and no, it’s not a high end lake front property, just a cabin in the woods).