Real Estate
What property should I purchase if I’m not sure how long I’ll be in D.C.?
Row homes, English basements and more options abound
Great question! If you are looking at real estate as an investment – two great property types to look at would be a smaller row home and also a row home that has an English basement. Some property types that you might want to stay away from would be a condo or a co-op unit. Let’s take a look at why these properties would be good and bad:
Smaller Row Home
Row homes are a great investment for many reasons. You can often find smaller two-bedroom row homes in the same price point as those of a two-bedroom condo, which might be seen as a “condo alternative” and afford you much more freedom. There are no condo associations or home owner associations that you must belong to so this keeps your monthly carrying costs on the lower end and you are allowed to make more independent decisions. For example, if you wanted to paint the house purple – in most cases you would be allowed to. If you wanted to change the color of the front door or put shutters on the windows – you would be allowed to. This is usually not the case with condo or co-ops.
When it comes to the rental market – similarly renters like the independence of privacy in a home and not being among many other people. The luxury of perhaps direct off-street parking, outdoor space or even just more space at the same rental amount that a two bedroom condo rent would be – this is more appealing for a renter and would likely rent faster than that of a condo or co-op. For this model – you would obviously need to move out before you could take advantage of the investment of this type of real estate.
A row home with an English basement
With this type of real estate you can immediately begin receiving income after your purchase. You can occupy the upstairs of the row home, which is usually the larger portion of the home, or you could even occupy the basement, which is usually the 1-2 bedroom smaller portion of the home and receive rental income for the other half of the home. This can be in the way of a yearly traditional tenant or in the manner of short-term rentals (check with the most recent STR policies within the District). With this model, you stand to make even more of a return on your investment upon your move out of the home as you can rent the entire home or you can rent the top unit and basement unit independently to gross a larger amount of income. It is important to note that it is never advised to purchase a row home unless you can fully afford it WITHOUT the idea of accepting additional rental income to offset the mortgage cost.
These two options listed above are the most typical found within the District because they are fee simple, standalone pieces of real estate and are not within a condo association, HOA, or a co-op with governing documents that tell you what you can and cannot do which makes row homes an attractive type of real estate for a long-term hold.
When looking at types of properties that you might want to stay away from – condos and co-ops come to mind and I say this with a caveat. You can surely purchase these types of real estate but must first understand the in’s and out’s of their governing documents. Condos are bound by the governing condominium documents which will tell you for how long your lease must be, a minimum of lease days, you can only rent after you have lived in the residence for a number of years, likely will stipulate no transient housing – which means no short term rentals. It could also quite possibly say that you can only rent for a specific amount of time and lastly it will also stipulate that only a specific amount of people can rent at one time in order to stay below the regulated lending requirements set forth by Fannie and Freddie Mac. Similarly, Co-ops are even more strict – they can tell you that you are just not able to rent at all or if you can you can only do so for a specific number of years and then you are required to sell or return back to the unit as your primary residence.
As you can see, when it comes to condos and co-ops there are more specific and stringent bylaws that owners must agree to and follow that limit or even outlaw your ability to rent your piece of real estate. When you purchase a row home – there are no regulations on what you can and cannot do regarding rentals (outside of the short-term regulations within the District).
When looking for a piece of real estate in the District it is important to think through how long you could possibly wish to hold onto this property and what the future holds. If you think this is a long-term hold then you might consider a row home option – again, you can find a smaller two-bedroom row home that amounts to that price similar to a two-bedroom condo and would afford you a more flexible lifestyle. It’s important to work with a real estate agent to ensure that they guide you in this process and help answer any questions you might have. It’s also always advised to speak directly to a short-term rental specialist should you wish to go down that route as they will truly understand the in’s and out’s of that marketplace.
All in all, there are specific property types that work for everyone and within the District we have a plethora of options for everyone.
Justin Noble is a Realtor with Sotheby’s International Realty licensed in D.C., Maryland, and Delaware for your DMV and Delaware beach needs. Specializing in first-time homebuyers, development and new construction as well as estate sales, Justin provides white glove service at every price point. Reach him at 202-503-4243, [email protected] or BurnsandNoble.com.
Real Estate
Unconventional homes becoming more popular
HGTV show shines spotlight on alternatives to cookie cutter
While stuck in the house surrounded by snow and ice, I developed a new guilty pleasure: watching “Ugliest House in America” on HGTV. For several hours a day, I looked at other people’s unfortunate houses. Some were victims of multiple additions, some took on the worst décor of the ‘70s, and one was even built in the shape of a boat.
In today’s world, the idea of what a house should look like has shifted dramatically. Gone are the days of cookie-cutter suburban homes with white picket fences. Instead, a new wave of architects, designers, and homeowners are pushing the boundaries of traditional housing to create unconventional and innovative spaces that challenge our perceptions of what a home can be.
One of the most popular forms of alternative housing is the tiny house. These pint-sized dwellings are typically fewer than 500 square feet and often are set on trailers to allow for mobility. Vans and buses can also be reconfigured as tiny homes for the vagabonds among us.
These small wonders offer an affordable and sustainable living option for those wishing to downsize and minimize their environmental footprint. With clever storage solutions, multipurpose furniture, and innovative design features, tiny homes have become a creative and functional housing solution for many, although my dogs draw the line at climbing Jacob’s Ladder-type steps.
Another unusual type of housing gaining popularity is the shipping container home. Made from repurposed shipping containers, these homes offer a cost-effective and environmentally friendly way to create modern and sleek living spaces. With their industrial aesthetic and modular design, shipping container homes are a versatile option for those contemplating building a unique and often multi-level home.
For those looking to connect with nature, treehouses are a whimsical and eccentric housing option. Nestled high up in the trees, these homes offer a sense of seclusion and tranquility that is hard to find in traditional housing. With their distinctive architecture and stunning views, treehouses can be a magical retreat for those seeking a closer connection to the natural world.
For a truly off-the-grid living experience, consider an Earthship home. These self-sustaining homes use recycled construction materials and rely on renewable energy sources like solar power and rainwater harvesting. With their passive solar design and natural ventilation systems, Earthship homes are a model of environmentally friendly living.
For those with a taste for the bizarre, consider a converted silo home. These cylindrical structures provide an atypical canvas for architects and designers to create modern and minimalist living spaces. With curved walls and soaring ceilings, silo homes offer a one-of-a-kind living experience that is sure to leave an impression.
Barn homes have gained popularity in recent years. These dwellings take the rustic charm of a traditional barn and transform it into a modern and stylish living space. With their open, flexible floor plans, lofty ceilings, and exposed wooden beams, barn homes offer a blend of traditional and contemporary design elements that create a warm and inviting atmosphere, while being tailored to the needs and preferences of the homeowner.
In addition to their unique character, barn homes also offer a sense of history and charm that is hard to find in traditional housing. Many of them have a rich and storied past, with some dating back decades or even centuries.
If you relish life on the high seas (or at a marina on the bay), consider a floating home. These aquatic abodes differ from houseboats in that they remain on the dock rather than traverse the waterways. While most popular on the West Coast (remember “Sleepless in Seattle”?), you sometimes see them in Florida, with a few rentals available in Baltimore’s Inner Harbor and infrequent sales at our own D.C. Wharf. Along with the sense of community found in marinas, floating homes offer a peaceful retreat from the hustle and bustle of city life.
From tiny homes on wheels to treehouses in the sky or homes that float, these distinctive dwellings offer a fresh perspective on how we live and modify traditional thoughts on what a house should be. Sadly, most of these homes rely on appropriate zoning for building and placement, which can limit their use in urban or suburban areas.
Nonetheless, whether you’re looking for a sustainable and eco-friendly living option or a whimsical retreat, there is sure to be an unconventional housing option that speaks to your sense of adventure and creativity. So, why settle for a run-of-the-mill ranch or a typical townhouse when you can live in a unique and intriguing space that reflects your personality and lifestyle?
Valerie M. Blake is a licensed Associate Broker in D.C., Maryland, and Virginia with RLAH @properties. Call or text her at 202-246-8602, email her at [email protected] or follow her on Facebook at TheRealst8ofAffairs.
Real Estate
Convert rent check into an automatic investment, Marjorie!
Basic math shows benefits of owning vs. renting
Suppose people go out for dinner and everyone is talking about how they are investing their money. Some are having fun with a few new apps they downloaded – where one can round up purchases and then bundle that money into a weekly or monthly investment that grows over time, which is a smart thing to do. The more automatic one can make the investments, the less is required to “think about it” and the more it just happens. It becomes a habit and a habit becomes a reward over time.
Another habit one can get into is just making that rent check an investment. One must live somewhere, correct? And in many larger U.S. cities like New York, Chicago, D.C., Los Angeles, Miami, Charlotte, Atlanta, Dallas, Nashville, Austin, or even most mid-market cities, rents can creep up towards $2,000 a month (or more) with ease.
Well, do the math. At $2,000 per month over one year, that’s $24,000. If someone stays in that apartment (with no rent increases) for even three years, that amount triples to $72,000. According to Rentcafe.com, the average rent in the United States at the end of 2025 was around $1,700 a month. Even that amount of rent can total between $60,000 and $80,000 over 3-4 years.
What if that money was going into an investment each month? Now, yes, the argument is that most mortgage payments, in the early years, are more toward the interest than the principal. However, at least a portion of each payment is going toward the principal.
What about closing costs and then selling costs? If a home is owned for three years, and then one pays out of pocket to close on that home (usually around 2-3% of the sales price), does owning it for even three years make it worth it? It could be argued that owning that home for only three years is not enough time to recoup the costs of mostly paying the interest plus paying the closing costs.
Let’s look at some math:
A $300,000 condo – at 3% is $9,000 for closing costs.
One can also put as little as 3 or 3.5% down on a home – so that is also around $9,000.
If a buyer uses D.C. Opens Doors or a similar program – a down payment can be provided and paid back later when the property is sold so that takes care of some of the upfront costs. Knowledgeable lenders can often discuss other useful down payment assistance programs to help a buyer “find the money.”
Another useful tactic many agents use is to ask for a credit from the seller. If a property has sat on the market for weeks, the seller may be willing to give a closing cost credit. That amount can vary. New construction sellers may also offer these closing cost credits as well.
And that, Marjorie, just so you will know, and your children will someday know, is THE NIGHT THE RENT CHECK WENT INTO AN INVESTMENT ACCOUNT ON GEORGIA AVENUE!
Joseph Hudson is a referral agent with Metro Referrals. Reach him at 703-587-0597 or [email protected].
Real Estate
Top buyer-friendly markets for the LGBTQ community
Home should be a place where you can be fully yourself
Buying or selling a home is one of the most meaningful financial and emotional decisions a person can make. For LGBTQ+ individuals and families, that journey can also come with unique considerations — from finding truly inclusive neighborhoods to working with professionals who understand and respect who you are.
The good news? Across the United States, there are increasingly buyer-friendly housing markets where LGBTQ+ home buyers and sellers can find opportunity, affordability, and community. When paired with the right representation, these markets can offer not only strong financial value, but peace of mind.
For more than 30 years, GayRealEstate.com has been the leading source of LGBTQ+ real estate representation, helping LGBTQ+ buyers and sellers connect with vetted, LGBTQ+ friendly real estate agents who understand the nuances of fair housing, legal protections, and inclusive service.
Below, we explore top buyer-friendly markets for the LGBTQ+ community, along with practical tips to help you navigate the process with confidence.
What Makes a Market Buyer-Friendly?
A buyer-friendly market isn’t just about lower prices — especially for LGBTQ+ home buyers. It often includes:
- Increased housing inventory (more choices, less pressure)
- Slower price growth or stabilized pricing
- Greater negotiating power for buyers
- Established or emerging LGBTQ+ communities
- Local protections and inclusive policies
- Access to LGBTQ+ friendly real estate agents and resources
Markets that combine affordability with inclusivity can be especially attractive for first-time gay home buyers, same-sex couples, and LGBTQ+ families planning for long-term stability.
Top Buyer-Friendly Markets for LGBTQ Home Buyers
1. Austin & San Antonio, Texas
Once known for extreme competition, many Texas metros have shifted into more buyer-friendly territory due to increased inventory.
Why it works for LGBTQ+ buyers:
- Strong LGBTQ+ communities, especially in Austin
- More negotiating leverage than in prior years
- Diverse neighborhoods at varying price points
Tip: Texas does not have statewide LGBTQ+ housing protections, making it especially important to work with an experienced LGBTQ+ friendly realtor through GayRealEstate.com.
2. Columbus & Cincinnati, Ohio
Ohio cities continue to attract buyers looking for value without sacrificing culture or inclusivity.
Why it works:
- Lower median home prices
- Growing LGBTQ+ populations
- Strong healthcare, education, and job markets
These cities are particularly appealing for LGBTQ+ buyers relocating from higher-cost coastal markets.
3. Richmond, Virginia
Richmond has become a standout for LGBTQ+ home ownership thanks to affordability, history, and progressive growth.
Highlights:
- Inclusive local culture
- Buyer-friendly price trends
- Walkable neighborhoods popular with LGBTQ+ professionals
4. Minneapolis–St. Paul, Minnesota
The Twin Cities consistently rank high for LGBTQ+ quality of life and legal protections.
Why LGBTQ+ buyers love it:
- Strong anti-discrimination laws
- Stable home values
- Excellent resources for LGBTQ+ families
Minnesota offers one of the safest environments for LGBTQ+ home buyers and sellers navigating the real estate process.
5. Jacksonville & Tampa Bay, Florida
Florida remains complex for LGBTQ+ buyers, but some metros still offer strong buyer opportunity.
What to know:
- Increased inventory = more negotiating power
- Coastal lifestyle at lower cost than South Florida
- Local LGBTQ+ communities continue to grow
Because statewide protections vary, partnering with a GayRealEstate.com LGBTQ+ friendly real estate agent is essential.
Finding LGBTQ-Friendly Neighborhoods
Not every “affordable” neighborhood is inclusive — and safety, comfort, and belonging matter.
When searching for LGBTQ+ friendly neighborhoods:
- Look for visible LGBTQ+ organizations, events, and businesses
- Research local non-discrimination ordinances
- Ask your agent about lived experiences, not just statistics
- Talk to neighbors and local LGBTQ+ groups
Agents in the Gay Real Estate Network often provide insight that listing data alone cannot.
The Importance of LGBTQ Real Estate Representation
While fair housing laws exist, LGBTQ+ housing discrimination still happens — sometimes subtly, sometimes overtly.
Working with an LGBTQ+ friendly real estate agent helps ensure:
- Respectful communication
- Advocacy during negotiations
- Awareness of legal protections
- A safer, more affirming experience
GayRealEstate.com has spent over three decades building the most trusted network of gay realtors, lesbian real estate agents, and LGBTQ+ friendly real estate professionals nationwide.
Legal Protections Every LGBTQ Buyer and Seller Should Know
Federal protections now include sexual orientation and gender identity under the Fair Housing Act, but enforcement and local laws vary.
Before buying or selling:
- Understand your state and local protections
- Know how to document discriminatory behavior
- Work with professionals who take advocacy seriously
- Use trusted LGBTQ+ real estate resources
GayRealEstate.com agents are experienced in helping clients navigate these realities with confidence.
Tips for LGBTQ Home Buyers & Sellers
- Get pre-approved early to strengthen your buying position
- Interview agents and ask direct questions about LGBTQ+ experience
- Don’t ignore your instincts — comfort matters
- Plan long-term: community, schools, healthcare, and protections
- Use LGBTQ+-specific resources rather than generic searches
Buyer-friendly markets create opportunity — but representation creates security.
Whether you’re a first-time gay home buyer, a same-sex couple relocating, or an LGBTQ+ seller preparing for your next chapter, choosing the right market and the right representation makes all the difference.
For over 30 years, GayRealEstate.com has been the trusted leader in LGBTQ+ real estate, connecting buyers and sellers with professionals who understand the importance of inclusion, advocacy, and respect.
Your home should be more than a place to live — it should be a place where you can be fully yourself.
Scott Helms is president and owner of Gayrealestate.com.
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