Reading those little books that guests and sign and comment in can be very helpful and grounding when you have those times when it seems like guests don't care.

I'm about ready to file a complaint on them with the FDIC.Moral of the story, it's a nifty application but I would be careful about how much money you keep in that account. 

If it will qualify for conventional, you would be just below the 75% LTV threshold.

Be careful on if you do, get multiple bids and vet the GC well. 

For other depreciation: When placing a property in service late in the year, depreciation is prorated based on the mid-month convention for residential rentals.

welcome @Cam Caraher and congrats on joining BP, this place is the start for many, sure was for me longer ago than I care to admit.I'm not personally in your market, although was born in dorchester and grew up in NH, but this is a great place to meet locals.If you have not already a great starting point is the Meetups posted here, just search for your area and see if any meetups are happening. 

I bought this residence with my VA loan but realized I should have used either conventional or FHA due to the low cost of the home.

In my limited experience, HML may not care too much about your credit but they will care about your, presumed, lack of experience.  

We hope to own this building for a long time as we enjoy taking care of it and continuing to make it a staple of the neighborhood.

They are all in decent areas.I like the program.They pay all or a large portion of the rent.The tenants take care of my houses and stay a long time. can i contact you John to get some advice on investing in MD for sec 8?