Asked and answered.By the way, pro tip: “Umbrella insurance protects you better than an LLC”, in my opinion and is easier to manage.

The local HML can usually pull the trigger much faster than an outside person does because more research has to be completed to asses risk in lending for that area.This is why local HML lenders rates might be lower than a national HML lender that prices a few percentage point higher and one to two points more to price in the unknown factor of the area.

I'm an 18 yr old from just south of York, PA and a little less than an hour north of Baltimore, MD. 

And of course agents have to start somewhere.. just like MLOs to become a lender is not that much harder than an agent..

My W2 career pays well but leaves me exhausted with little energy for my family which doesn't feel good.

One, you will get a lower interest rate than an investment loan.

An LTR estimate will be much lower than an MTR estimate.

I personally would not purchase more than an hour drive from me unless its a stellar deal.

I would exhaust those first to really know what opportunies exist locally as well if so.Rafael

It's crucial to establish your investment requirements, investigate various avenues, connect with local investors, take into account innovative financing possibilities, carry out exhaustive due diligence, and bargain skillfully in order to locate a lucrative multi-family property for house hacking.