Diversification Beyond the Stock Market: Real estate provides tangible, real-world value that helps hedge against market volatility—a crucial feature when building a resilient retirement portfolio.

Insurance right now is wild, so I'd get a solid broker on your team - I'd be happy to share my contact if that would help.Also, aren't most of the existing insurances shared on the OMs for the properties? 

:We use the cheapest ones that they provide at Lowe's, our handyman installs.

I used to provide detailed answers to DMs, which are private and help only the requester.

If you are familiar with this area, any further recommendations or resources you are willing to provide, I am super grateful. 

Fannie/Freddie (Conventional) loans aren't just about rate and transfer taxes. 

You aren't guaranteed ANYTHING!

It also includes managing your existing investment well to ensure you aren't bleeding money due to bad tenants, excess maintenance, etc. 

If you aren't familiar with Baltimore, I would suggest it's a hard no and say that you are trying too hard to make cash flow happen talking Baltimore and tax liens and auctions.

It's the boring places that probably won't appreciate above the rate of inflation that will provide real month to month income.