Hey everyone, I’m Ervin Kelly, a REALTOR® with Better Homes and Gardens Real Estate Metro Brokers, serving Hiram, Polk, Paulding, and Northwest Georgia.I’m a U.S.

Aloha kākou,I recently passed my real estate exam and am now a licensed REALTOR®.

Yes — the agent’s silence would violate the REALTOR® Code of Ethics.

I’m  a Licensed Realtor® and Professional Civil/Structural Engineer (P.E.) with over 20 years of experience in land development, infrastructure design, and property analysis across Maryland.After two decades designing and managing major projects — from transit and utility infrastructure to mixed-use developments — I transitioned into real estate to help investors and builders make smarter, data-driven acquisition decisions.I focus on helping investors evaluate:Land and infill sites for development feasibilitySmall commercial and multifamily properties for value-add potentialStructural and site conditions that can impact ROI or exit strategyI’m particularly active in Baltimore, Hagerstown, Eldersburg, Sykesville, and Capitol Heights, MD, and I love connecting with investors who are interested in ground-up, subdivision, or redevelopment projects.If you’re in Maryland or nearby markets and want to discuss land strategy, due diligence, or deal analysis, I’d be happy to exchange ideas and insights — always in the spirit of collaboration and compliance.Looking forward to learning from everyone here and contributing value wherever I can.– Reddy Karnati, P.E., Realtor®(Engineering insight meets real estate opportunity — all within compliance of COMAR 09.11 & 09.23)

I have documented multiple instances of what I consider to be cyberbullying and unprofessional behavior directed toward me.As a licensed real estate broker, you are held to a higher standard under the guidelines set forth by both the Ohio Division of Real Estate and Professional Licensing and the National Association of REALTORS® (NAR) Code of Ethics.

.🏡 September Existing Home Sales Tick HigherExisting home closings rose 1.5% from August and 4.1% year-over-year, according to the National Association of REALTORS®.

National Association of REALTORS®

Copilot recommended the following:  HUD Comprehensive Housing Market Analysis (CHMA) ReportsDeep dives into local housing markets with 3-year forecasts.Covers economic, demographic, and housing trends.View NC CHMA Reports [www.huduser.gov]NC REALTORS® Monthly Market ReportsStatewide and county-level data on listings, sales, prices, and inventory.Access NC REALTORS® Market Data [www.ncrealtors.org]NC Chamber Housing Supply Gap Report (2025)Quantifies a 764,000-unit housing shortfall through 2029.Includes economic impact projections and county-level data.Read the NC Housing Supply Gap Report [ncchamber.com]NC Commerce: Housing Cost TrendsAnalysis of price appreciation, rent trends, and supply constraints using FHFA and Zillow data.Explore NC Housing Cost Trends [www.commerce.nc.gov]North Carolina Association of County Commissioners (NCACC)Publishes the County Map Book and County Data Fact Sheets with housing, tax, and demographic data.View NCACC County Data [www.ncacc.org]🏠 Virginia Real Estate & Housing ReportsFederal Reserve Bank of St.

 It might be worth changing your title to cleaning out because I thought you were inquiring about house keeping services not clean out.

This ensures they have all tradelines, inquiries, and public records.FICO® Mortgage Scores (Classic Models): Unlike consumer apps (Credit Karma, Experian app, etc.) that often show VantageScore, DSCR lenders rely on the classic FICO mortgage scoring models:Equifax Beacon® 5.0Experian®/Fair Isaac Risk Model v2TransUnion® FICO Risk Score 04Middle Score Method: Just like agency loans, DSCR lenders typically use the middle score of the three bureaus for qualification.