As I said to Roshad I'm looking for a multi family to owner occupy using VA, FHA, or traditional loan.

Dumb question perhaps, but it's like paralysis by choices (a bit different I think than paralysis by analysis)

Ultimately the choice is yours, you have gut instincts and have met them... a poll on bp might not be the best business decision :) 

I don't have a RE agent of choice yet in the Baltimore area either ..... but one step at a time I suppose.@ Ned Carey, Regarding neighborhoods, I have been spending more and more time in the neighborhoods surrounding Johns Hopkins main campus (Hampden, Waverly, etc.) and I am probably going to start concentrating on one of these neighborhoods soon.

Is their work mostly investments or mostly traditional sales?

Success is a process, failure is a choice

We give the tenants a choice between CFLs and incandescent, but for tenants who habitually leave lots of lights on, be only provide them with CFLs, more energy efficient.

These factors include, population growth, economic expansion, and real estate affordability.Real Estate AffordabilityWhen taking real estate affordability into account, crossing San Francisco and Denver off the list immediately is the likely the right choice.

@Marcin ChojnackiBeautiful and modern choice of finishes! 

The majority won't qualify for traditional financing, hoping that funding won't be too difficult to secure if the deal is good enough.