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Besides your own funds, you may use cash gifts or money from a private savings club. If you can do certain repairs and improvements yourself, your labor may be used as part of a down 8 payment (called -sweat equity"). If you are doing a lease purchase, paying extra rent to the seller may also be considered the same as accumulating cash.
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Once an industrial town with an economic base in manufacturing, Baltimore's economy is now primarily service-oriented, with its largest employer no longer Bethlehem Steel but Johns Hopkins University and The Johns Hopkins Hospital.