I have complete confidence in their ability to pay their share of rent but my concern is with the City's portion as I have heard first-hand accounts and bad cases where the City has delayed payments, delayed processing of renewal for voucher holder (and thus payments) and lack of communication.Are there folks here who have had a good experience with CityFHEPS and the City's ability to pay on time? 

Let's also assume you have the credit qualifications, you're going to have an equity issue in that you bought 10% above market (roughly) and even if you did it owner occupied in your refinance, you are still above 100% LTV so, you are limited even further with your exit strategy. 

You guy made those changes and the premium went up more than double and you charge the customer credit card automatically.

My credit isn’t great either due to several factors (some beyond my control).

Account Closed, purely from curiosity: what are you looking to achieve?  

v=IomfI_iF4EMGrant Cardone - http://grantcardonetv.com/video/younghustlers/buyi...You will need a free account for the GC Young Hustlers show.

This might entail making improvements to curb appeal, kitchens, and bathrooms in order to draw in better renters and raise rents.Long-Term Appreciation: Take into account real estate in communities that may see long-term growth.

I'm guessing that would be something like 14% if anyone would touch it.Probably needs to look at other options like hard money on the new project, borrow from 401k or stock account or life insurance.

Anyone have recommendations on a local bank or credit union to use for a refinance in Baltimore?

In general if sellers are looking for a larger down payment we try to introduce them to local credit unions or lenders that can utilize compensating factors for qualifying on more favorable long term financing solutions.