How time consuming is it?

Yes new builds can be fun but time consuming!

Based on my knowledge and experience a multifamily such as 2 3 and 4 units if left vacant for over 7 months loses its zoning rights non conforming and must be deconverted to a single. which of coarse would be costly and time consuming also decreasing cash flow in most cases and overall wouldn't make sense for my objectives.

(Im sure its just that Maryland law likely requires a more clear disclosure that it can happen as opposed to Virginia which is less consumer friendly than Maryland) Ive never had it personally happen to me or a client, but I hear stories every year about it happening.

Dave is more for consumer debt then real estate investing debt.

I wouldn't think so, as you're not licensed to work for the typical consumer, and you have to be a Realtor for the MLS, but I don't TX specifics. 

There are TONS of people moving here (85 people a day by some estimates), and while rent prices are higher than they've ever been before, the market is also consuming those higher rent prices.  

Consumer protection may be slightly lower on a business credit card if you go that route but a simple checking may be what's best in your case. 

The mortgage from a purchase price consumes most of the cash flow.

Unsecured them by consuming all the equity.