no mention of 75% LTV. what i’m not looking forward to is another 30 days of explaining my finances and rentals to the under writer. my previous loan was great. bar rate 4.65% $1700 all in fees. small loan amount. but wondering if i could have done this a lot earlier?!?

(I have used the HUD website to find the FMR for Baltimore county but was wondering if it could be broken down by neighborhood or at least by zip code.)

I know there are financing and building code aspects to consider, but I'm mostly interested in the total cost breakdown.

Its all based on the property, zoning codes and the numbers.Yes there is a demand for smaller properties especially new construction if in the right location. 

You would be better off buying a bar of gold and burying it in the back yard than borrowing hundreds of thousands of dollars, dealing with tenants, taxes, termites, and toilets for only $100 per month.

They replaced and brought two water heaters up to code.

Using the filter function you can start deleting undesirable properties based on the numbers to get the list down to a manageable size.If there is no value in the building column then you are likely looking at vacant land.There should be a code in one column that tells you if a property is a house, mobile home lot, multifamily, store etc.I spend a lot of time narrowing down my list, then I look up what they look like online to eliminate more, then I drive by every property that I might bid on.I do this myself, I don't trust a VA for this work as I am spending a bunch of money and one mistake on a property could cost many thousands of dollars.

These are two totally different tax codes. 

Your codes dept can help with the permits and requirements (insulation, drywall, doors, closets, wiring, window size and heights, including if you need a licensed contractor, professional drawings, the inspections, etc).Keep in mind, if the tenant doesn't have the required number of dependents to get a 4 bdr voucher, adding a bdrm will just cost you money up front and on taxes, but not get you more from the S8 office.

These are professionals with additional training and a stricter code of ethics.