Sometimes it makes more sense to move a wall to open up a room or add a bathroom to get the desired bed/bath count.

When you say "highest multifamily", is that by count or % of total residences in the zip code? 

Also, for economic purposes, by placing home in LLC (a business), children will be elgible for more college financial aid since the business assets for a closely held company with few employees are exempt/not counted under federal financial aid laws but are counted when it is our personal name.  

I believe in diversification, so I would rather have multiple sources to pull from rather than hoping the one source I was counting on doesn't becomes harder (or not as beneficial) to liquidate at the time it is needed.  

I pay for water and every penny counts.

In your situation I'd suggest going that route as flips are very involved and the last thing you'd want to do in your situation is take time away from your primary income producer, your job which sounds very lucrative and you should count yourself fortunate in that situation.

@Jim Carson Thanks for the insight, I currently have no debt and I've already met with my mortgage broker in getting ready to purchase in 6 months or so, and I won't have a problem because she said she will count 75% of rental income of property I purchase to help keep qualifying. 

Every penny, nickel or dollar counts.  

BP Community,Happy Labor Day weekend!  Like most of you I'm sure, holiday or not, I am still grinding. So I need some suggestions please as to whom you all recommend within the small banks in the HoCo, Baltimore, AA C...

Banks seem to count 75% of rental income AFTER expenses right?