All work done to raise value after TOD is not legally in that stepped up basis.  

.: Getting quotes for the house I'm closing on in April and wondering what to how with for coverage limit and umbrella.

Negligence is only a cause of action when there is a legal duty owed. 

I would search the BP forums because your tax / legal related questions likely have already been asked.However, it doesn't hurt to still ask the forum what your questions are.

I invest in the Baltimore area but I have family members that invest in the Upper darby, Chester area close to Philly (I believe there's a lot of affordable properties in those areas). 

You'll want to incorporate interest costs on the HELOC while you're using it, but that will add to your holding costs in addition to utilities, closing costs, etc..

Originally posted by @Reginald Ross:@Andrey Y.Sounds like someone’s fishing for capital ;) Not even close.

@Jeremy DuganThis structure is absolutely feasible, and it’s legal, assuming all terms are clearly outlined in the seller financing agreement. 

The loan on this house is $650,000.I closed on a new primary residence end of June.

I know there are some amazing opportunities in both of these markets but if I was leaning toward one right now from what we have available I would go with OKC, looking closely at tax rates.