I specialize in small multifamily properties and house hacking working alongside BiggerPockets podcast guest Andrew Freed to help investors find high-performing deals in Central MA.My Background:  - Started in late 2019 I utilized an FHA loan to get my first 3 family property in Fitchburg, spent about a year fixing it up and soon after I refinanced. 

Because of the high operation costs we never add electric baseboard heat. 

I would like Lawrence or areas that are starting to increase in value but not as high currently. 

Would having a highly insured property (1,000,000+ liablity) plus not being a negligent or slum landlord be sufficient and not require the use of an LLC? 

The quality of your tenant is just as important as the investment you make.  

It is right near the hospital and now Mass Gen bought out Wentworth Douglass Hospital so our units are in high demand.

However, due to keep purchasing real estate, my DTI is high and close to 50%.

@Travis Boyd The quality of the neighborhood will affect the cap rate to be used.

Most investors have rose-colored-glasses when it comes to their neighborhood quality.

Our team along with clients all are heavily investing in the area, and it is a strong place to start. close proximity to New York and New Jersey, paired with extremely affordable property/taxes and high rental demand make it on most people's radar.