Liability (I have this threw my property insurance) and LLC (Which does depend on your state): I like this NOLO source of data, its fantastic:http://www.nolo.com/legal-encyclopedia/llc-asset-protection-charging-orders.html Some gems from this article "All states allow personal creditors of an LLC owner to obtain a charging order against the debtor’s LLC interest.

Originally posted by @Giovanni Oliva:Love the finishes by the way!

Seriously, where did you get the vacant building pics in Baltimore... looks like a gem for a value add project.

Be patient, have your money ready to make an offer when the hidden gem comes on the surface and you have your reserves and game plan ready then you strike.

I manage projects, I find sites, I solve problems, I negotiate with huge companies, and once in a while I get a raw land gem under my feet for 'real' development. it's not the dream, per se, but I'm absolutely scratching the itch.     

Eventually perhaps I'll see the hidden gems.

Gems of the finger lakes.

Our company uses Mastic Ply Gem technology to create a vision for what the different types of siding would look like.

Like you discovered; At the end of the day, generalizing about this property class (like many do), is the reason so many gems exist, really.

@Myles Coles You already have the answers, real estate markets may look saturated but there are gems out there!