A guy in the biz for 20 years who had a ton of bad habits will not change their ways, if they are lazy they'll be lazy for you. 

Structuring the Deal with a PartnerWhile your partner cannot directly participate in the loan, there are ways to structure your arrangement to reflect your 50/50 partnership:Option 1: Post-Purchase Equity SaleYou obtain the 203(k) loan in your name as the owner-occupant.After closing, you sell your partner 50% equity in the property via a quitclaim deed or similar legal instrument.Your partnership agreement would outline each person’s roles, responsibilities, and share of profits.Note: Be mindful of FHA’s rules around title changes and ensure this doesn’t violate loan terms.Option 2: Partnership Contribution AgreementYou both contribute to the down payment and renovation costs as outlined in a partnership agreement.Your partner’s contribution could be recognized as a share of the equity in exchange for funding, services, or property management.The partnership agreement would detail how profits, responsibilities, and equity are split.Option 3: Joint Venture AgreementStructure the deal as a joint venture, where you own the property personally (required for the FHA loan), but profits and roles are split per a formal agreement.Your partner could receive equity-like compensation through profit-sharing without being on the title.3.

More likely that the document is correct, and the change to 12% was made recently. 12% seems to be middle of the road but still pretty decent, yet generally Baltimore city RE is a bit more risky than rest of MD .Lonnie Pickard

These can change as fast as a new legislature wants a new highway. 

I think they used to be more helpful in the past and they made some changes and now they're not so valuable.I see weird and different values for my Airbnb stats depending on if I'm using my laptop or phone to view them.

Loopnet any deal older than 12 months, Tax GIS consistently late or 6 months past due, any property that changed hands thru probate after 12 months, Texas property tax sales land only not at auction just offlist properties, etc7.  

Investing in real estate has truly changed our lives. 

@Keaton Sheffert Zoning changes can be a valuable tool in real estate. 

Stop getting discouraged and changing markets.

They have more than 10 businesses in the same address. they keep changing their names.