Holding onto property even in a down market, will get you cash flow, and whether the storm, but isn't it better to unload when markets are high, take the gain, put in bonds, and wait for downturn, and buy again?

I use a blended approach like many portfolio managers use with stocks and bonds.

I am pretty sure op means .5%How about some blue chip dividend payers, via a fund, or muni bond fund?

You are a wise 22 year old and what great bonding time you will have with your business partner.

The title Company is bonded and insured which protects both you and your lender.

I cut my teeth on my first purchase in 2017, a one mixed building with 2 commercial tenants and 2 residential tenants.

I got my teeth knocked out and my lunch money eaten on some of my inititial "deals".

Within your Roth you could get more conservative with stocks and add in bonds or other low volatility investments and cash. 

The seller is asking 195000 and the monthly rent total is 1625Here is a link to the listing if you want to see more:https://www.coldwellbanker.com/property/1078-Bond-...I may have some investors to talk to about funding it if its good enough. 

The tax rate in Baltimore should be criminal.Baltimore is generally on the higher risk side of real estate investing, but with higher risk investments in real estate, or dividend paying stocks, or bonds, you are given a higher yield to reward for taking on the higher risk asset.