@Anthony Pace - If you're looking at turnkey multifamily properties in Baltimore City, you'll probably end up paying too high of a price. 

If a house has been on the market longer than a month or so it is priced too high for the area or for its condition.

In your opinion is having a higher net worth or using that equity to make another investment and temporarily decreasing your net worth and being highly leveraged the better move in the current market?

Expert on Santa Cruz breweries and food scene.

High quality problem!

I was even just listening to some of the first podcasts today -i think it was show 11 or 12 or so  - on private funding through seller financing and how they highly recommended not even approaching the subject of financials until they had met and talked at least 3-4 times prior. 

https://www.biggerpockets.com/hardmoneylendersHML tend to look at the deal rather than the individual but with no expereince expect a high interest rate think 10-12%. 

In the midwest, it's highly unlikely that you'll see appreciation anywhere near what you have seen in Portland.

If it's been on the market for a month or more than it's probably priced to high. 

I've got a backgound as a director level manager currently over 40 employees, some 20 years my elder right down to kids in High School.