As to the buddy I mentioned in Washington state it was the same scenario; he converted tax-free up to their standard deduction but above that he kept within the lowest tax bracket and paid the smallest amount of tax possible.Thank you @Basit Siddiqi for calling me out on this and giving me a chance to address my mistake; it's important people have the correct information.  

I’m excited about the opportunities ahead and can’t wait to connect with fellow investors.

Any information would be appreciate, I can't wait to become a part of this community!

Maryland’s DLLR site you mentioned is definitely a step in the right direction.

The GRID meetup in Edwardsville (also mentioned above by Rich Groves) is new but I understand it's drawing lots of folks. 

As mentioned above do not focus on this number, at all. 

@V.G Jason @River Sava @Lisa Jones @Ben Pileggi @Gregory Schwartz @Jay HinrichsAnother silver lining I forgot to mention - Good investing partners.Having solid partners who can share the load (financially or logistically) during disasters can make a massive difference.

It is actually just a tool to create the already mentioned accelerated depreciation.

WE dont pay a fee for the credit line as I mentioned just 1/2 point for each new loan..

It likely means you have that amount of coverage when caused by another peril and as mentioned it's typically a significantly lower limit than other coverage amounts.If a pipe bursts, it will likely be covered.