Originally posted by @Howard Abell:Check out The Bawld Guy in San Diego.

@Alicia Howard I know you mentioned that you eventually plan to talk to a CPA and a lawyer, but I highly recommend doing so sooner rather than later.

Quote from @Howard Soones: Hello I live in Charlotte NC.

I lived on Howard St in the Financial District. 

If anyone in the Baltimore, MD area knows someone who can help me, I’d really appreciate it.200k is a pretty low price point even for Baltimore, I’d consider putting slightly less down, maybe more 10-15% and getting a better asset in Baltimore or even Howard county/AA county 

Thanks @Ryan Howard, I’ll DM you.

PoorvuThe E Myth by Michael Gerber (who btw is speaking at the Ohio Reia in Nov.)The Dealmakers Guide by Ray Alcorn, super commercial investorReal Estate Investment and Acquisition Workbook by Howard A.

I don't know the exact Baltimore County process, but expect to spend $10-30K (depending on number of lots and scope of work) and about 6-12 months for the process if the county is anything like Howard County, where I've done similar work.

Some areas, like the ones youve mentioned tend towards the higher end of the risk spectrum, other areas like Montgomery and Howard counties tends towards the lower end of the risk spectrum.

As far as rates, keep in mind cash out refi rates are always more expensive than purchase so even if rates drop you wouldn’t necessarily get a better rate and tbh it’s my personal opinion that rates are likely to remain in mid 6’s or so for the next few years, As far as appreciation with rates dropping, I’ll be honest I thought going from 8 to 6.5 would be a bigger impact than we’ve seen and while it’s stillpossible we see that come spring I do think some markets are just too expensive and are likely to go nowhere for a while, I think the areas with the best appreciation over the next few years and this is just my personal opinion, under 400k in prime Baltimore location’s, under 500k single family in Howard, PG and Anne Arundal county and under 400k single family on the eastern shore, the reason being those are still area’s that are around par if not cheaper than rent that are also nice places for a family to live, while most normal home buyers aren’t necessarily looking at price to rent ratio it certainly factors in subconsciously and I believe though I could certainly be wrong any growth from here on out is going to be driven by 1st time buyers looking for single family homes that are affordable to them relative to the rest of the metro area.