They are really changing the shape of the city and it may become incredibly expensive to buy out there soon due to lack of housing.

I've been studying different real estate strategies and would love to understand more about how the permitting process is evolving in that area.Did the realtor mention any specific changes in local ordinances, or was it more of a general observation based on market trends?

Here’s how the ATI exemption process typically works:Trigger Event: An Assessable Transfer of Interest occurs when a property is sold, inherited, or otherwise changes ownership.Reassessment: Following the transfer, the county reassesses the property’s value, which could result in a higher tax bill.Application for Exemption: The new property owner can apply for the ATI exemption to reduce the taxable value of the property.

Sounds like you are a buyer, so you should know that the buyer's agent has to have you sign a buyer broker, the game changed last year but did it..

I thought about maybe converting the living room with a fireplace on the main floor to a 3rd bedroom, but I'm not sure if the HOA would allow such a big change to the layout.

I actually ended up going through a big career change, and attended a 6-month bootcamp to learn Software Development after 7 years cooking professionally in fine-dining kitchens. 

Owner occuppied loans regualted in every state .. must have state license and NMLS registration.NON owner occ loans on 1 to 4 units are regulated same way in about 15 statesin the other states they are unregulated.Keep in mind though investor loans do not follow the same rules as owner occ and rates can change charges can change closing dates can be blown through etc

Overall, this seems like a strong deal, but make sure to factor in potential surprises or changes in market conditions.

Me and my partner moved from Utah to Maryland for school recently and we have a townhouse that we are looking to rent. we are currently remodeling and changing a few things before renting. what are the first steps to change my primary to a rental I lived there for about two years.

Still good information in there, but the last 1-2 years have really changed the landscape.