I think that DM will stay really competitive this year and will continue until the real estate market slows down.

Found Bigger Pockets a few months ago and discovered the wealth of information/knowledge here.

If you discover its on the rise that may be worthy of a buy and hold.

You will hear some claim on BP, not Ken, that compliance is not required if the note predates the Act, not true in all respects.I can say that when a violation of law is discovered and the violator has then taken steps to comply after their discovery, there is an entirely different attitude taken by regulators, often to the point of no harm no foul.

Another thing starting off, the two year employment rule to count income can be waived for a new graduate out of school working in their degreed profession with a letter of continued employment expected, that might help later on. :)

Such an awesome place here, I am so glad I stumbled in this site.I have a question with hope that you can point me out to some direction.I am a stay at home mom and will continue with this wonderful full time job for at least another 3-4 years if not more.

I'm here because I want to expand my knowledge of real estate and ultimately, continue on my real estate-related goals (financing a new development, REIT's, real estate sales).

You've probably already discovered there are many MD investors on the BP site as well as many who concentrate on Baltimore City/County.

If you plan on obtaining more real estate prior to the tax returns getting filed and therefore have no rental income reflecting on your last schedule E then you may need to tell the story such as you have done here and show them past reservations, etc. in order to justify the likelihood that the income will continue.

Gary was bad years ago and continues to get worse.