I've actually found one of the local banks (as Wendy mentioned) that doesn't have an issue with the amount, so fingers are crossed! 

Not sure which was the best place to post this since this is my first deal, so cross-posting from the Deal Analysis:https://www.biggerpockets.com/forums/88/topics/762925-house-hack-analysis-duplex-baltimore-cityI appreciate any help or insight you can provide!

Fingers crossed for you...

I'm happy around 4-5% with fingers crossed the property value will increase substantially in 6-8 years.im also looking at bigger lot sizes, corner lots and proximity to wide streets to maximize potential FAR if I wish to syndicate and develop the land further down the track.

There is a small group of BP-ers that meet up in Marin every couple of months as well if you want to chat in person.

Had everything figured out, I had all my T's crossed and all the frogs in my soup (I made that up, thought it sounded good here).My contractor stole money, left me mid rehab, and other poop I shan't mention.My point simply is this.

Id probably add the w/d.Whats the sq footage, rent, cross streets, and level of updates on your unit?

Not giving up on this property the cash flow has been amazing for the last 12 years and keeps growing.sometimes you can use metal cross members to hold that up.. we have one just like this currently .. its sucks I know. 

If you can find a local portfolio lender, usually a small local bank, you can place a down payment on a rental that you buy at a discount, and then cross pledge that equity to buy more properties over and over again (and never have to bring cash to the table again).

The Cross of Christ - John R.