You might also try to get a larger down and maybe add a few interest points.

NH is fairly lenient on sub metering and billing, so it should be fairly straightforward.I see systems for larger apartment complexes, but I don't see a lot of low-cost systems in place to accurately measure and recover costs to heat a unit in a small multi-family dwelling.

However some lenders may use an income approach/ commercial appraisal if you are getting a commercial loan even on a small 2-4 family property, especially if you are refinancing a couple of buildings into one larger loan. 

It's better suited for investors looking to retire sooner or with larger cash reserves.

Wouldn't a larger brokerage have more power to get me clients in that new starting period?

In the short term, though, I've got a choice between adding a small ADU (or studio) onto my duplex, if allowable by Emeryville's codes, or buying a second rental property. 

At the end of the day, if they aren't doing what you want to be doing on a 10x larger scale, then their opinion really doesn't matter.

Derek,The larger multi-family buildings don't comp well because most people don't sell them and there are less of them available in the market.

Every segment of every profession and life has their knuckle heads, but its blatantly unfair to group an entire group because of what have been your poor choices! 

We have much smaller values but a much larger spead.