@Kim H.As the owner of older multi-family buildings I have ran across this issue and been involved in several large insurance claims (100k+).

Kim, since you're not giving the details (and I understand making it known to the whole world) you won't get a solution, IMO.

Originally posted by @Joe Kim:4.1% rate seems high to me.  

 @Kim Meredith Hampton Oh okay.

Kim Knaust I would recommend J Scott's book on rehabbing, it will have everything you need to get started.

Thanks @Kim Meredith Hampton I believe myself as the owner I am providing a place to live and therefore will be entitled to get that info (as the creditor)I like your idea @Lois Ginter that's the path I'll take if I don't receive any further info from my ex property manager.Yes @Jessica Zolotorofe you understood correctly.

Thanks Kim I will try the Google search tip. 

Originally posted by @Kim Coleman:@Carlann Mckenna www.livebaltimore.com is a good resource for learning about the more than 300 neighborhoods in Baltimore  Agree 100%.

I know them all in the city but in the county I'm not sure who is still there Donna Memmo handles the Ports over there you can try her if no response see if Kim Longwell is still the director and she may be able to help.

Originally posted by @Kim Giannola:Welcome!