Upper-floor housing downtown can conjure up many images. Some might envision seedy, run-down apartments that no one would want to live in. Others might picture large, light-filled loft apartments with tons of character. Some might see modest but well-kept affordable housing for working-class residents, others upscale condominiums they can retire in and have zero yardwork to do, and many an opportunity to live just steps from restaurants, shops, groceries, pharmacies, farmers markets, parks, events and more. There is some truth to all of these when it comes to upper-floor housing in downtowns and historic commercial districts.