It's new to me so I hope someone here can shed some light on what she is trying to do.Her current property is in MA and is a four-unit. 

I can buy tile, light fixtures, bathroom fixtures, drywall, paint, primer.

I would love to hear if there's anyone from Johnstown who can shed some light on this. 

$100k neighborhoods in Baltimore aren't for beginners or light of heart.

Lipstick rehabs are normally just redoing kitchen + bathrooms + light work around the house.

The weightings and note rates will matter a lot here.

Then it needs to a light to medium rehab which allows for a fast rehab process.

Spec now that im not shelling out down payments every few months and can see the light again haha.

For light doc programs, it 9.25% seems on par.

Only in the last 3-4 months has he said he's seen some light at the end of the tunnel and they're starting to see minor insurance premium relief on properties, but it's for the best of the best assets (New construction, concrete block, 250+ units, etc).