Can confirm Joseph is a real person 

Whether your at $0 or $10mm of personal cash to start with.   

Personally, I would not keep a rental that is not expected to cash flow. 

Neighborhoods there are usually in better shape (although Baltimore is very much block by block), and in my opinion, the quality of the tenant pool is much better.Oh, and great idea checking out the properties in person—the pictures you see on the MLS can be very deceptive lol.

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This is probably a place where you go to one of the personal loan sites to borrow money or maybe a credit union. 

As a beginner, I would personally get my feet wet with something a little less risky without a balloon payment like that.

I also have a personal relationship with my contractor so got a massive price break. 

Personally, I wouldn't open up a home that isn't in good repair, from a liability standpoint if nothing else.

I had hoped to set this up with PNC since I bank with them but an in-person visit to the branch is required for set up and this is not possible since I now live in Washington state.