So, i am in the process of buying my first property which is a 4 unit multi-family property.

Massachusetts Single Family Home Stats for February: Despite an increase in new listings, not enough homes for sale to meet demand - stop me if you've heard this before - prices continue to rise.Median Price: $569,000 +9.42% Yoy.Closed Sales: 1,917, +0.95% Yoy.12 Month Closed Sales: 37,602, -18.72% Yoy.

My family cannot live around there.

I want to ideally find an off-market single-family property as my first deal using g this strategy.

Any help is greatly appreciated.Thanks,Correy Rental ADUsFor-Sale ADUs1shall be affordable, including an allowance for utilities, at a rent that does not exceed:shall be affordable at an affordable housing cost that does not exceed:Very Low Incomehouseholds30 percent of 50 percent of the area median income, as adjusted for family size appropriate for the unit.30 percent of 50 percent of the area median income, as adjusted for family size appropriate for the unit.Low Incomehouseholds30 percent of 60 percent of the area median income, as adjusted for family size appropriate for the unit.30 percent of 70 percent of the area median income, as adjusted for family size appropriate for the unit.Moderate Incomehouseholds30 percent of 110 percent of the area median income, as adjusted for family size appropriate for the unit.35 percent of 110 percent of the area median income, as adjusted for family size appropriate for the unit.

Investment Info:Small multi-family (2-4 units) buy & hold investment.

I’m a real estate attorney who has helped clients with large master planned developments (single family, multi family, commercial).

in many markets you have to go OFFmarket to find the deals that cashflow. the MLS can be picked-over. this is obviously more work. there are markets that cashflow just fine even the picked-over properties. single-family is also USUALLY going to cashflow way less per unit vs multi, with LTRs. 

Maybe personal loan from a bank or credit union, friends and family.

I am looking into purchasing a single family home ,and converting it into a duplex ,and a 2 car garage into a ADU what type of loan is recommended ?