IN most states unless your licensed your not legally allowed to take points.. in lui of that you can raise your rate... most folks going to private lenders as we are discussing are looking for cheaper money than the local HML ing shop... but its negotiations at that point.Land loans are to be avoided unless again you want to own that land... these are the most risky .. and most lenders will not go over 50% LTV I would not do that and I would want significant cash into the deal...

I have never worked in this market so I would like to connected with seasoned investors in the area in which I can go shopping for. 

I might start looking at the Bowie area for potential flips--I am comfortable there as it is one of my "shopping districts" I go to frequently (we don't have much in the way of major shopping in Calvert County!)

Here is my situation: i bought a condo in 2015 because i was broke and it was what i could afford. it isnt in the best of neighborhoods and i assured my girlfriend (now my wife) that i would not take long to get out of it and turn it into a rental. fast forward, she got over it and doesnt hate it as much as she thought. now, we are currently shopping for a new primary.

Close to schools, shopping, shopping centers, and downtown areas. * Buyer agents will receive 2.5% commissionBuilding built in 1966. 3,328 sq ft.

Federal funding for med shop busts has been cut, so city ordinances are what you really need to worry about.

be careful when shopping for investment property, it's not where you want to live but more if the numbers work.

@Charlie Prior Charlie, correct me if I am wrong, but if I am an authorized user can I not run a credit report on myself, find out who your credit card company is, call and request a new card mailed directly to me and go on a shopping spree?  

The questions I would ask to come to a conclusion would be:Does the property have all the highest amenities in the market that new properties have, such as, resort style pool, clubhouse or social setting, top of the line gym, dog park, car wash area, walking trails, free common area wifi, coffee shop, garages, etc...?

It has a few banks, a feed store, post office, Dollar General, fertilizer plant, elementary/middle/high schools, a couple of convenience stores, beautiful new gun shop, a couple of sit down restaurants and the largest job creator - a small prison just outside of town.