Draw photo packets that get Baltimore flippers paid — my 5-pack

Draw photo packets that get Baltimore flippers paid — my 5-pack

Contractor · Baltimore, MD · Member since 2019 · 16 posts · 1 vote

Every Baltimore rehab I document gets a milestone photo packet at five points — not for the portfolio, for the paperwork. The day a lender asks where the money went, photos answer. Here's the five-pack.

Milestone 1: buy + pre-demo. 40–60 shots at close: every room, four corners, roof, basement walls, meters, panel — geotagged and dated. This is the "before" the appraiser and your partner will ask for.

Milestone 2: rough-in, before drywall closes. The set you can never reshoot: panel schedule, wire runs, plumbing stacks, HVAC lines — 50–80 close shots. Open walls are the cheapest insurance in a rehab. This set answers the draw inspector without a cut-out.

Milestone 3: draw submission — photos plus receipts. Every draw request: one folder, timestamped photos matched line-by-line to invoices. Lenders release on photos, not promises. Same-day photo and receipt — draws clear in days.

Milestone 4: damage and theft, same day. Broken boards, missing copper, smashed windows — shoot it immediately, police report number in the folder name. In Baltimore, document within hours or the claim doesn't exist.

Milestone 5: final closeout. Finished walkthrough, serial plates, meter readings, keys handed off. The closeout set is what lists the house and wins any post-sale argument. This one lives in the cloud, not on a phone.

Comps. Quick look at the numbers around it: Reservoir Hill (21217).

As-is/distressed: 1104 Clendenin St — $46,000, sold Oct 2025 (investor canvas, fixer); 2333 Mcculloh St — $80,000, sold Aug 2025 (as-is, squatter damage, 292 days on market); 2530 Madison Ave — $235,000, sold May 2025 (4-unit auction, total rehab required). That puts as-is value roughly $46K–$235K, most likely $46–80K for a single-family shell here.

Renovated: 2464 Lakeview Ave — $212,900, sold Sep 2025 (fully renovated townhome); 2126 Mount Royal Terrace — $260,000, sold Jul 2025 (updated semi-detached); 2140 Mount Royal Terrace — $315,000, sold Aug 2025 (stunningly renovated) — so a renovated range of $213K–$315K.

Honesty caveat: the renos sit on Reservoir Hill's prime blocks (Lakeview, Mount Royal Terrace); the shells sit a few streets north — location does real lifting here. And 2530 Madison is a 4-unit, not a single-family comp.

At $46K in and $213–$315K out, you're documenting six figures of value creation.

What photo set has saved your rehab money — the draw, the insurance claim, or the post-sale argument?

— Dawon | Baltimore, MD

0Reply
126 views

1 Reply

Jump to latestLatest
  • Diana KhanPro Member
    Attorney · 10451 Mill Run Cir #755 Owings Mills, MD 21117 · Member since 2024 · 610 posts · 208 votes
    12h
    Quote from @Dawon Irvin:

    Every Baltimore rehab I document gets a milestone photo packet at five points — not for the portfolio, for the paperwork. The day a lender asks where the money went, photos answer. Here's the five-pack.

    Milestone 1: buy + pre-demo. 40–60 shots at close: every room, four corners, roof, basement walls, meters, panel — geotagged and dated. This is the "before" the appraiser and your partner will ask for.

    Milestone 2: rough-in, before drywall closes. The set you can never reshoot: panel schedule, wire runs, plumbing stacks, HVAC lines — 50–80 close shots. Open walls are the cheapest insurance in a rehab. This set answers the draw inspector without a cut-out.

    Milestone 3: draw submission — photos plus receipts. Every draw request: one folder, timestamped photos matched line-by-line to invoices. Lenders release on photos, not promises. Same-day photo and receipt — draws clear in days.

    Milestone 4: damage and theft, same day. Broken boards, missing copper, smashed windows — shoot it immediately, police report number in the folder name. In Baltimore, document within hours or the claim doesn't exist.

    Milestone 5: final closeout. Finished walkthrough, serial plates, meter readings, keys handed off. The closeout set is what lists the house and wins any post-sale argument. This one lives in the cloud, not on a phone.

    Comps. Quick look at the numbers around it: Reservoir Hill (21217).

    As-is/distressed: 1104 Clendenin St — $46,000, sold Oct 2025 (investor canvas, fixer); 2333 Mcculloh St — $80,000, sold Aug 2025 (as-is, squatter damage, 292 days on market); 2530 Madison Ave — $235,000, sold May 2025 (4-unit auction, total rehab required). That puts as-is value roughly $46K–$235K, most likely $46–80K for a single-family shell here.

    Renovated: 2464 Lakeview Ave — $212,900, sold Sep 2025 (fully renovated townhome); 2126 Mount Royal Terrace — $260,000, sold Jul 2025 (updated semi-detached); 2140 Mount Royal Terrace — $315,000, sold Aug 2025 (stunningly renovated) — so a renovated range of $213K–$315K.

    Honesty caveat: the renos sit on Reservoir Hill's prime blocks (Lakeview, Mount Royal Terrace); the shells sit a few streets north — location does real lifting here. And 2530 Madison is a 4-unit, not a single-family comp.

    At $46K in and $213–$315K out, you're documenting six figures of value creation.

    What photo set has saved your rehab money — the draw, the insurance claim, or the post-sale argument?

    — Dawon | Baltimore, MD

    @Dawon Irvin, from the legal side, I'd say the before and after photos and the ones taken before drywall goes up can be especially valuable. If there's ever a disagreement about the work completed, those photos can help show what was actually done. I'd also keep them together with the contracts, invoices, and any approved changes to the project.

    I'm a real estate attorney and investor here in Maryland, and I work with clients on property transactions, contracts, and disputes. I've seen how important good documentation can be when questions come up about repairs, payments, or the condition of a property.

    I really appreciate you sharing this, @Dawon Irvin. It's a practical system, especially for investors managing several projects. Good records can save a lot of trouble later. Always good to connect with other real estate professionals here in Baltimore!

Join the conversationCreate a free account to reply, vote on answers and follow this thread.