I typically will forgive some of the interest or penalties, then use a 10Bii calculator or online calculator to come up with an amortization schedule.

You may have to reconsider your approach to renovations.Looks like we're neighbors...feel free to PM me if you ever want to chat or meet up for coffee, I'd be happy to talk.

There is a group that meets in Upper Marlboro run by Sherman Ragland.

currently looking for information to meet people.  

This is a great place to meet like-minded people and learn. 

Check out the area meet up - It's a great place to meet other investorshttps://www.meetup.com/real-estate-investors-of-La...

From my perspective ( I am no expert) prices have risen substantially over the past 7 years (as everywhere) and it is difficult to find properties that meet good cash flow criteria at the moment. 

Hello,My partner and I are in the market for mid size to large apartment buildings and we are hoping to meet up or chat with some local multi-family property managers.  

memphisinvestorsgroup.com  This is the only local club in the area but there are several smaller sub groups that meet that are sponsored by this club.

I'm in a career where I constantly meet all kinds of people and the encounters I have with people involved with real estate are always the most inspiring.