So infilling an income gap via people who can disappear just as easily as appear seems short sighted to me. 

When I quote people for projects, I'll use ChatGPT, I have a module I spent hours on pricing jobs correctly in NY.

I wouldn't accuse people that write listings to be knowledgeable in insurance. 

The 15-20 year run people had is gone, so be VERY careful with listening to some of these "real estate gurus." 7.

I think other people seeing makes me feel accountable to post along with having it written out.

I suggest you start out by meeting like minded people and here is a link to a local meetup in the OC: https://www.biggerpockets.com/forums/521/topics/1225233-ocre...Good Investing...

Now let's say one or both people making the purchase owned a condo previously where they roll over the proceeds/equity into the new purchase and put 40% down.

Get people financially educated and let them buy their own houses.

I'm also considering Halethorpe because it's a good commuter location.Some people really like supporting the city in which case , northeast Baltimore would seem to the best place to buy a single family, in my opinion given the taxes situation and given that none of those areas are walkable I’d rather just be in the county and pay Lower taxes, and it’s not like northeast Baltimore is much that much cheaper than Baltimore county, hathorpe is mixed, arbutus is nice, I hate the housing stock there, would rather be in Catonsville if I was considering western Baltimore county. 

The big thing is always focus on protecting the public, disclose, and take care of people.