As an owner-occupant of a building with 4 or fewer units, you will be eligible for pretty much all of the standard residential mortgage programs.  

a standard lease (maryland realtor lease) does the trick....specifying unpaid water is same as rent of course....

Depends on how you buy but if you're doing a standard loan you'll probably have closing costs also.

If not, the initial cash flow will be the highest you will ever receive, and you will have a continuously declining standard of living.You may have noticed that I use rent increase and appreciation interchangeably.

I’ve had many inquiries and only one application that did not meet my qualification standards.

This is a realtor I did a standard MLS deal with 5 years ago, and he stays in touch with me -- so we kind of have a pre-existing relationship.

I added another SFH to my portfolio a few months later but that one was pretty standard.

It used to be that people were trained to the standard of living in base housing where you had to do a full make ready just to get checked out including a seriously overpriced cleaning person.

But that makes sense to make it a standard across the board to avoid discrimination.

How do I check that the basement apartment meets the city’s building code standards?