@Eric ,A quick way of finding the ground rent (if it is registered) is to go to SDAT (Google "SDAT MD"), select a county via the drop down menu, then I like to choose "STREET ADDRESS" and hit "Continue".One the next screen plug in the house number and in the next box the street name (ex.

One hole had a plug, one hole had the lamp socket, and one hole had the photocell.There is another one that's designed to poke through a single hole in the middle of a box cover plate; a plastic nut screws down to hold it in. 

Not huge, but you may have to dig through emails/paperwork from years ago.The underwriter is going to know that you're thinking of it as an investment in part, but she needs to be able to cover her butt and thoroughly be able to document that she did everything possible to confirm that your intent to move in is likely to line up with your actual actions, post-close. 

I'd plug the numbers into the calculator on this site and see what happens.

Pain in the butt.

If you are personally renting you need renters insurance to cover your butt from lawsuit.

I plug in sq/ft necessary to redo and it gives me a very generalized number that I can expect to pay.  

I bet if you plug in a 20% down payment and get rid of the PMI, you'll start to see a lot more positive cash flows on the same properties.

Well here is a very shameless plug for Ms.

You would basically just be plugging into the computer what ever I give you, making me liable for my own ignorant mistakes.