Those waiting for a recession will be waiting for a LONG time...it isn't happening this economic cycle, the stubbornly high inflation rates indicate that.A few points above to reiterate: (1) real estate is LOCAL, while there may be some worrying trends nationally, the Harford County market is strong and will stay that way IMO, (2) timing the market is generally a fools errand if you have a long term outlook (if you're looking at short term investments then timing factors in more), (3) if you're looking for a place to live (not strictly an investment) then there are a lot of other important factors to consider.Bottom line is that if you have the means, and if you intend to own the place for 5 or more years, I personally wouldn't hesitate to jump in.

There are several skip tracing companies out there, find one without high volume minimums, flexible pricing options and excellent customer service.

Borrowing other people's money sounds great but the market prices are high and hard to make profit if you borrow the down payment and borrow for the remainder of the mortgage loan. 

It'll take a few years but I think this area is going to show steep appreciation over the next 5 years and you can get a decent place that'll cash flow a little right now, more if rates drop and you refi and best of all, high appreciation over the next 5-10 years. 

That will vary depending upon your experience level, the quality of the property, the cash flow of the property, and the lender's appetite for that type of loan.

Biggerpockets is a large website. 

This allows us to stabilize, then grow without worrying about a high debt payment in the beginning.

Hey Andrew - As others have mentioned you can find it on the BP website.

The high HOA's in highrises normally kill cash flow.

I highly advise you to contact me immediately via private message to get the refund process started.