Conservative and brand new in Baltimore, means you will lose all your money and go through hell for years with the worst tenants imaginable. 

But some people are train wrecks and it has been my experience that the worst train wrecks are unemployable; they have issues that are severe enough to prevent them from finding and holding a job.

I said, “let’s talk worst case scenario here.  

I get the worst leads on that here in Columbus, Ohio.I would use Zillow and Facebook.

Run the deal on a worst case scenario.

Since we can't access the joists without going through the lower ceiling, we put luxury vinyl planking over the worst part (kitchen) and it probably reduced things by 50% or more. 

Worst case I can sell and likely (hopefully) the market is back in full swing assuming people want to be near or in NYC area.

I know its the worst time of the year for this. 

In the event of a catastrophic event my worst case scenario is a refinance or selling the property.

Worst case they say no.