Some times you can get lucky and the 4% will carry over for a little while, but I've seen too may people analyze with the wrong tax rate and end up cash negative every month. this is quite common in all states that have homeowner exemptions.. 

Learn these basics and the business will begin to make sense.

It also adds more common space and utility expenses that you are responsible for as a owner.

In a basic sense, yes a $135k offer on a $199k asking price is a "low ball" offer.

@Russell Brazilhttps://dogbitelaw.com/one-bite-state/maryland-dog-bite-lawThis link to case law in Maryland seems to indicate that the landlord is and will be liable for a dangerous dog especially in properties where common areas are shared.

The numbers made sense.

I wanted to convince the seller that my top price would be the best they will get, and it would make the most sense to accept it right away.

Total construction area (includes all common areas): 57,318 sq. ft.

Under the principal called Sixth Sense, section titled, Let Great Men Shape Your Life that he described mentors. 

Thanks Brian, perhaps it would make more sense to purchase the house under an LLC (form one now) and seek a SBA loan and payback after sale?