Severina Roumenova in Baltimore: A Re/Max Agent Focused on Owner-Occupied Investment Properties
Severina Roumenova is a real estate agent at Re/Max Realty Services who specializes in helping Baltimore buyers and sellers navigate residential transactions, with particular depth in owner-occupied investment properties and multi-unit buildings. She operates within Baltimore's competitive resale market, where median home prices have ranged from $280,000 to $320,000 in recent years, and where neighborhoods shift sharply in desirability, walkability, and long-term appreciation potential within single zip codes.
What Severina Roumenova actually does
Re/Max agents are independent contractors who earn commission on closed transactions rather than salary. Roumenova works under the Re/Max Realty Services franchise, which means she maintains her own client relationships and pays a desk fee or profit-split arrangement to the brokerage in exchange for brand affiliation, transaction support, and access to the MLS. Her stated focus on investment properties distinguishes her from general residential agents; she helps owner-occupants who purchase multi-unit buildings (typically two to four units) with the intent to live in one unit while renting the others, a strategy common in Baltimore neighborhoods like Canton, Hampden, and Fell's Point where single-family homes often cost less than suburban equivalents but generate rental income.
Services and commission structure
Like all real estate agents in Maryland, Roumenova earns commission only when a transaction closes. The typical arrangement is 5.5 to 6 percent of the sale price split between listing and buyer's agents, though this varies by agreement and is negotiable. As a buyer's agent, she receives half of the total commission (usually 2.75 to 3 percent) when she brings a buyer to a property listed by another agent; as a listing agent, she receives commission from the seller for marketing and selling their home. There is no upfront cost to the buyer when working with a buyer's agent, since the seller's proceeds cover all commission.
Her services typically include property search and showing, market analysis to support offers, assistance navigating inspections and appraisals, and guidance on contingencies such as financing, home inspection, and appraisal protection. For investment property buyers, this may extend to discussions of cash-on-cash returns, rent comparables in the target neighborhood, and rehab scoping, though major financial or structural analysis usually requires consultation with a CPA, contractor, or investment advisor outside her scope.
How to evaluate Roumenova against other Baltimore agents
Baltimore's real estate market includes thousands of licensed agents across many brokerages. Re/Max, Keller Williams, Coldwell Banker, and independent boutique firms all operate here; choosing an agent depends less on brokerage than on individual agent expertise and fit. For investment property buyers, relevant criteria include demonstrated experience with multi-unit purchases in your target neighborhood, familiarity with Baltimore City rental market dynamics, and responsiveness. An agent strong in Canton or Hampden owner-occupied investment properties may lack depth in South Baltimore or Fells Point. Similarly, an agent experienced in $400,000+ luxury homes may be less helpful for first-time investment buyers targeting $250,000 to $350,000 properties, where margins are tighter and rehab planning more critical.
Roumenova's investment property specialty is a legitimate differentiator if you are specifically buying a two or three-unit building in Baltimore. A generalist agent working volume across all property types offers breadth but may lack the negotiation depth or neighborhood insight that repeated investment property work provides. Comparing agents is straightforward: ask each how many owner-occupied multi-unit transactions they closed in your specific neighborhood in the past two years, what their average days-on-market are, and whether they have direct experience with Baltimore's rental tenant screening and lease practices (relevant if you will manage tenants yourself).
Who Roumenova suits and who she does not
Her focus makes her well-matched for:
- Buyers seeking owner-occupied two to four-unit buildings in Baltimore with intent to hold long-term and generate rental income.
- Sellers of investment properties who want an agent familiar with the rental comps and buyer pool in that niche.
- First-time investment property buyers who benefit from an agent experienced in the specific mechanics of rehab scoping and rental income analysis.
She is not the right fit for:
- Single-family home buyers with no investment intent; a generalist agent is equally effective and available immediately.
- Buyers seeking luxury properties above $500,000; specialized luxury agents in Baltimore focus on that tier.
- Commercial or industrial property transactions; those require a commercial real estate broker, not a residential agent.
- Renters seeking a landlord or property management; agents do not manage tenancies.
The first transaction with an agent
Initial contact usually happens via phone, email, or a website inquiry form. After that, the agent typically schedules a conversation to understand your needs, timeline, budget, and financing status. For a buyer, the agent will send you listings matching your criteria, show you properties, and help you prepare an offer when you find a property. For a seller, the agent conducts a market analysis (comparison of recent sales in your neighborhood and price range), discusses listing strategy and price, and handles marketing and showings. All written offers and counteroffers flow through the agent. Once an offer is accepted, the agent coordinates inspections, appraisals, and closing logistics with the title company.
Contact and logistics
Re/Max Realty Services operates throughout the Baltimore area; verify current office location and hours by contacting Roumenova directly through the Re/Max website or by phone. As an independent contractor, she typically works by appointment rather than walk-in availability. Travel to properties across Baltimore neighborhoods is standard for both agent and buyer or seller.
Severina Roumenova's specialization in owner-occupied investment properties fills a practical gap for Baltimore buyers who want to live in a multi-unit building while building equity through rental income, a realistic strategy in neighborhoods where purchase price and rent diverge enough to support the business model.
