Also, in a time when homes are becoming more and more unaffordable, I believe that investors and homeowners will seek markets where homes are affordable.

What would you recommend for a first-time buyer?

This definitely sounds interesting, but at the same time very complex.

The value of a 1-4 unit is determined by comps in the area and most of the time it will be based on similar homes sold in a nearby area within the past few months.

As for an ARM or IO, if you plan on holding for a long time a 30 year fixed amortized loan at similar if not better rates then you are quoting might make more sense. 

We are remodeling the home one room at a time.

I'm wondering how hard it is to attract professional roommates /traveling professionals in Hagerstown.

Referrals may be a big part of your business so I'd recommend creating a business page here and having some of your customers write you a review.Lastly, one of the best ways for people to find you is through your profile.

Ohio markets show up 3 times in Zillow’s 2024 hottest markets, with Columbus and Cincinnati taking the top 2 and 3 spots.

What may work is to buy a house that needs some work, then do minor renos while you are living in it and when it is time to move, turn it into a rental....but run the numbers to see if it makes sense.