It is a personal choice for realtors as to what type of people they want to work with.  

The first was 3 states away so I has no choice. 

But once you have it, there's no choice but to make it right.

It does provide many benefits, but only by talking to a client can you learn enough information to make a proper choice.

Early on when I started investing I would do 90% of the work myself. it was a great choice. 

Fast forward to 2014 I'd done well over the years with my day job and with the cash I'd decided that I'd rather eliminate my mortgage payment (poor choice in retrospect but didn't really know any better at the time). 

People think no money down means there are no other expenses because they don't differentiate between down payment and the myriad other costs that come with buying and keeping a property.As the others have said, it only takes one bad tenant to bankrupt the person with no cash reserves although I will say if someone is totally committed to success, they will find a way. 

The rent from that property still has to cover the debt service and expenses, and the more debt-service burden you put on Property A means you may have less wiggle room if the market softens and you have to lower rents.Commercial lenders are typical choices for the refinance stage. 

And then your job  becomes fundraising.Your choices are then to either partner, hire in-house, or contract out, with contracting out being the easiest option.What do you look for?

:D Would love to hear more about your choice of why choosing Baltimore and why not Richmond?