We'd like to see if you have done rooftop terrace or patio to the flat roof before, and was it complicated and time consuming to: obtain zoning change and permit; and build a rooftop terrace or patio?

In Maryland we are required to present, and have the consumer sign, a form called "Understanding Whom Agents Represent" at the time of our first scheduled face to face meeting.

Additionally, since they are "free," you (the consumer) don't have much say in the matter. 

It will be interesting to see if this becomes a trend going forward as housing preferences and consumer behavior change in response to the pandemic and evolving workplace environment.The major inventory decline in the suburbs and greater MSA--which we also saw in August--has something to do with fewer owners listing homes due to the pandemic who otherwise would have sold this year.

Driving through the neighborhoods you're interested in for yard signs is time consuming but may be helpful. 

Are rehabs too time consuming?

The counselor stated that they specially cater to regular consumers and not so much about investors and I get it.

In reading the forums (and consuming YouTube and podcast content), it seems there are a number of investors (new and pro) who have relocated to markets with better opportunities.

HELOC is for personal residence, second home , or vacation home and is a consumer loan.

I would also listen to their Podcast series...there are a few shows so there's endless information to consume!