Financial
Nuances of ownership
Married couples have legal provisions that can protect property

By DAVID KAMINOW
Valentineās Day makes most people think of intimate evenings for two. It makes the lawyer in me think of the different legal status of couples as compared to individuals. Romantic, right? Maybe not, but there are important differences under the law between married couples and individuals.
With the District having recognized same-sex marriages and Maryland considering proposed legislation to do the same, the rights of married couples is taking center stage throughout the community. While the legal implications of marriage are many and varied, there is one that is important to anybody who is concerned about losing to litigation what he or she has earned through hard work and effort.
Under the laws of Maryland and the District, married couples, and only married couples, can own property as ātenants by the entireties.ā While the finer legal implications and details of owning property as tenants by the entireties can get extremely complicated (my firm recently won a case before D.C.ās highest Court where one of the main issues concerned this form of ownership), the broader picture is clear. With respect to creditors, the married couple owns property together and concurrently. Unique to property owned in this way, the ownership cannot be divided as long as the couple remains married and wants to continue to hold the property as tenants by the entireties. It is based on the legal fiction that a married couple is a single unit, not two individuals (and they say romance is dead in the law).
Why is this important? With other forms of ownership the interest of each party can be separated and the interest of one party liquidated to pay debts. For example, imagine two unmarried people each of whom owns half of a home they live in together. If one is sued and loses, the party who won the lawsuit can often force the sale of the family home and keep half of the proceeds. The other half of the proceeds from the home would then go to the original owner who was not sued.
With tenants by the entireties, this is not so because the interest of the two cannot be divided. If the couple from above were married and owned the house as tenants by the entireties, the family home would be safe from creditors of either of the two. It would only be at risk if both were liable on a debt because then the creditor could take the marital unitās undivided interest from the marital unit. Thus if one of the owners were sued and lost, the family home would remain with the couple. This is an extremely valuable tool in asset protection and we recommend to many of our married clients that they title their possessions as tenants by the entireties.
Unfortunately, many people do not understand the implications. I have had many clients come to me after they had transferred property that they had owned as tenants by the entireties to one of the two spouses because the other had been sued. Their reasoning was that the property would be safe from the new creditor because the one being sued no longer owned it. However because of the implications of ownership as tenants by the entireties, the property had already been safe. The transfer only raised red flags about fraudulent transfers and actually put the property at greater risk.
Is ownership as tenants by the entireties a silver bullet that will protect all your assets from everybody? No. It will not protect your assets from certain debts, like taxes, or joint debts. And certain property is more difficult than others to protect in this way. In the same-sex marriage community, there are other issues, such as what happens to property held in states that do not recognize same sex marriages. At least one court has ruled that a same-sex couple cannot protect property as tenants by the entireties, even though the couple were lawfully married in a state that did recognize their marriage. Despite these issues, owning property as tenants by the entireties can be a powerful tool in asset protection. Not romantic, but worth thinking about.
David Kaminow is an attorney with Meiselman, Salzer, Inman & Kaminow, P.C., and can be reached at 301-315-9400 or atĀ [email protected]. Ā As with other areas of law, proper asset planning requires a complete analysis of facts and circumstances relevant to each individual’s situation.Ā Nothing in this column should be considered legal advice nor should it be acted upon without obtaining your own legal counsel.
Real Estate
Navigating DMV real estate market during political unrest
Reductions in federal employment have introduced uncertainties

The Washington, D.C.-Maryland-Virginia (DMV) region has long been recognized for its robust housing market, underpinned by the presence of the federal government and a diverse economic landscape. Recent massive reductions in federal employment have introduced uncertainties, yet the area continues to offer compelling reasons for prospective homebuyers, particularly within diverse communities.
While the federal government has traditionally been a significant employer in the DMV, the region has proactively diversified its economic base. Sectors such as technology, professional services, education, and healthcare have expanded, mitigating the impact of federal job cuts. This diversification fosters some economic resilience, which offers our area a semblance of protection against the impending unknowns that we currently face. Nothing can shield real estate entirely; however, our area tends to survive these types of changes better than other parts of the country.
Despite concerns over federal layoffs, the DMV housing market has demonstrated notable stability. Analyses indicate that the number of active listings, sold properties, and median sales prices have remained steady on a year-over-year basis. This steadiness suggests that the market is adapting to changes without significant disruption.
Furthermore, while there has been a slight increase in home listings, this trend aligns with typical seasonal variations and does not solely reflect federal employment changes. The luxury property segment, in particular, continues to thrive, indicating sustained interest and investment in the region.
The DMV region is renowned for its cultural and demographic diversity, with areas like Montgomery County, Md., being among the most ethnically diverse in the nation. This inclusivity extends to various communities, including LGBTQ individuals, fostering a welcoming environment that enhances the areaās appeal. Even though the current administration is fostering anti-diversity ideology, I remain confident that our LGBTQ community will continue to thrive even as these destructive forces work against us.
Local governments within the DMV have implemented policies aimed at promoting affordable housing and preventing displacement, particularly in the wake of economic shifts. Initiatives like the Douglass Community Land Trust in Washington, D.C., exemplify efforts to maintain housing affordability and support community stability.
Additionally, jurisdictions such as Montgomery County have longstanding Moderately Priced Dwelling Unit (MPDU) programs that require developers to include affordable housing in new residential developments. These policies contribute to socioeconomically mixed neighborhoods, benefiting diverse populations.
Despite Elon Muskās brandishing of a chainsaw to the federal workforce, our real estate market continues to thrive. The DMV region maintains its appeal. Economic diversification, market stability, commitment to diversity and inclusion, and progressive housing policies collectively contribute to an environment that supports and attracts diverse communities. Prospective homebuyers can find reassurance in the regionās resilience and ongoing efforts to foster an inclusive and vibrant community. These are only a few among the many reasons to have a positive outlook while considering real estate options in our area.
It is important to consider working with brokerages, brokers, agents, lenders and title companies who align with our community and our objectives. Not all LGBTQ agents work for brokerages that support or understand the needs of the members of our community. Do your research and find out who has donated money to what political causes. Now more than ever we must support members of our community to protect our way of life and our very existence.
Stacey Williams-Zeiger is president/principal broker of Zeiger Realty Inc. Reach her at [email protected].

Whether you are upgrading parts of your current home to prepare it for sale or enhancing the home you just purchased, kitchens and bathrooms are still at the top of the renovation list.
Kitchen renovations have always embraced a blend of functionality, personalization, and aesthetic appeal; however, homeowners are currently moving away from sterile, uniform designs, opting instead for spaces that reflect warmth, character, and individual style. Here are some of the most prominent trends shaping kitchen renovations this year.
Warm and Earthy Tones
The dominance of all-white kitchens is waning as homeowners gravitate toward warmer, earth-toned palettes. Shades like sage green, navy blue, and natural wood finishes are becoming popular choices for cabinetry, infusing kitchens with a cozy and inviting atmosphere. This shift reflects a desire for spaces that feel more personalized and less clinical. Flat panel and Shaker cabinets continue to be popular options.
Integration of Organic Modernism
The “modern organic” style is gaining traction, characterized by using natural materials, neutral color palettes, and serene layouts. Incorporating elements like soapstone countertops, Venetian plaster walls, slate floors, and greenery not only enhances aesthetic appeal but can also increase home values significantly. Fully outfitted outdoor kitchens further contribute to this trend.
Innovative Kitchen Island Designs
Kitchen islands continue to be central features, with designs evolving to incorporate textures, wood and tile cladding, multifunctional elements, and bold colors and materials. Integrated seating areas, waterfall countertops, and the use of monolithic stone or stacked marble are becoming increasingly popular. These islands not only serve as functional workspaces but also as striking focal points within the kitchen.
Concealed Kitchens for a Sleek Look
The concept of concealed kitchens is on the rise, emphasizing built-in appliances, flush cabinetry, and appliance garages to maintain a clutter-free environment. This design approach fosters a minimalist aesthetic, creating a seamless flow between the kitchen and adjacent living areas, particularly in open-concept homes.
Personalized Cabinetry and Storage Solutions
Customization is key in modern kitchen designs, with homeowners seeking tailored storage solutions that cater to their specific needs. Features like hidden storage compartments, integrated lighting, and unique hardware choices are being favored over generic, cookie-cutter options. This trend underscores a move toward kitchens that are both functional and reflective of personal style.
Revival of Traditional Styles with Modern Twists
Traditional kitchen styles are making a comeback, with a contemporary twist. Elements such as expanded backsplash coverage, classic tile shapes and patterns, use of mixed metals, and specialty appliances are being integrated into modern kitchens, blending the charm of the past with the conveniences of the present. Custom range hoods, coffee bars and microwave drawers are increasingly added to renovation projects. This fusion creates spaces that are both timeless and equipped for modern living.
Sustainable and Natural Materials
Sustainability remains a priority, with an increased use of eco-friendly materials like reclaimed wood, recycled metals and glass, and energy-efficient appliances. This not only reduces environmental impact but also introduces unique texture and shimmer into kitchen designs, adding depth and character to the space.
Use of Bold Colors and Accents
Homeowners are becoming more adventurous with color and texture, incorporating vibrant hues and tactile materials into their kitchen designs. Features like colorful window trims, two-tone cabinets, and the use of wallpaper and feature walls add visual interest and a personalized touch to the space. In addition to the familiar white, major appliances are now shown in matte black, navy, and jewel tones of red, green, and blue. There are even vinyl wraps and magnet covers that allow for more creativity and individualization with appliances.
Integration of Smart Technology
The incorporation of smart technology continues to grow, with appliances featuring automated cooking functions, sensor reheating, and control locks becoming more prevalent. Induction stoves are entering the mix. Charging stations and touch-activated cabinet doors and faucets are also popular. LED lighting lasts longer and prevents you from having to climb a ladder to change lightbulbs on a high or vaulted ceiling. These advancements enhance convenience and efficiency, aligning with the modern homeowner’s desire for a kitchen that supports a tech-savvy and busy lifestyle.
Multifunctional Spaces
Kitchens are increasingly being designed as multifunctional spaces that accommodate cooking, dining, working, and socializing. This has led to the inclusion of features like integrated seating, versatile lighting, and adaptable layouts that can easily transition between different uses, reflecting the evolving role of the kitchen in contemporary homes. Still, donāt be surprised to see a resurgence of self-contained kitchens with real walls.
So, whether the kitchen you want is sleek and modern, earthy and organic, or traditional and elegant, there will always be fresh new styles, ideas, innovations and classic touches that cater to your 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 via DCHomeQuest.com, or follow her on Facebook at TheRealst8ofAffairs.

Spring is the season of renewalāa time to refresh, declutter, and make space for better things. But spring cleaning isnāt just for your home. Whether youāre a landlord or a tenant, itās the perfect opportunity to reassess your rental relationship.
Are landlords feeling disconnected from tenants? Are tenants feeling like their landlord is absent? Before considering drastic steps like moving, both sides can take positive, proactive measures to improve communication, set clearer expectations, and foster a mutually beneficial relationship. This article encourages both landlords and tenants to take stock of their rental experiences and explore ways to clean up misunderstandings before they become deal-breakers.
1. Dust Off the Lease: Revisit Foundation of Your Relationship
The lease is the roadmap of your rental journey. Are both sides following it?
For Landlords:
⢠Review Key Terms: Ensure you fully understand your obligations under the lease and DC law, including maintaining a habitable unit, providing essential services like heat and water, and ensuring repairs are done for safety compliance.
⢠Clarify Expectations: Is there a disconnect between your expectations per the lease and what you are observing at the rental? Remind tenants of areas that are covered in the lease in a proactive and positive manner to make sure all are on the same page.
⢠Mid-Lease Check-Ins: A casual mid-lease meeting or email can clarify expectations and correct misunderstandings or interpretations of responsibilities before they become issues.
For Tenants:
⢠Understand Your Rights and Responsibilities: Review your lease to see what your landlord is required to provide. In DC, landlords must ensure safe, habitable living conditions, but cosmetic changes or upgrades are not guaranteed, unless specified in the lease.
⢠Know Whatās Reasonable: Yes, you have a suite of rights in the District of Columbia which must be respected. Certain societal expectations may not be realistic if they werenāt part of the original agreement. You can always request improvements that are not required of the landlord, but be prepared to respectfully accept the outcome if the response is āNoā.
⢠Proactive Communication: If you have concerns about your rental, present them as collaborative questions. For example, āI noticed Xāhow would you like for me to address this?ā
2. Declutter Communication Channels
Miscommunication is often the root of rental frustrations. Letās clean that up.
For Landlords:
⢠Preferred Methods of Communication: Are you providing clear ways for tenants to reach you? Ensure youāre responsive to emails, phone calls, or portal messages.
⢠Seasonal Reminders: Proactive messages about maintenance (e.g. start cutting the grass, apply pre-emergent weed control, etc) can reduce escalations later.
⢠Feedback Opportunities: Invite tenants to share concerns in a structured mannerāperhaps a quarterly email check-in.
For Tenants:
⢠Respectful Clarity: When reaching out, be specific about your needs. Instead of āthe heater isnāt working,ā try āthe heater hasnāt been turning on in the evenings and only blows cold air. Could someone check it this week?ā
⢠Understanding Response Times: Some complex issues take longer to resolve. Remain reasonable on expectations and consider the explanations for delays. Understanding that cosmetic concerns may not be prioritized can also help.
⢠Log Your Communications: Keep a record of all major discussions for clarity and protection.
3. Polish the Relationship: Turn Good Experiences into Great Ones
Small efforts can shine a spotlight on the positive areas in your rental relationship.
For Landlords:
⢠Recognize Good Tenants: Expressing appreciation for on-time rent payments or good upkeep fosters goodwill.
⢠Offer Incentives: Small gestures like discounted renewal rates or minor upgrades can encourage long-term, responsible tenants.
⢠Educational Resources: Provide additional information on how your tenants can maintain aspects of the home, such as garbage disposal care or HVAC filter changes.
For Tenants:
⢠Be a Proactive Renter: Report maintenance issues promptly and keep the property clean and damage-free. Execute routine maintenance that is your responsibility, such as changing out air filters reliably.
⢠Community Mindset: Participate in neighborhood events or property meetings, which can strengthen your relationship with the landlord.
⢠Extend Courtesy: Flexibility with maintenance schedules and clear communication during repairs make things smoother for everyone.
4. Freshen Up Expectations: Reset Standards for Healthier Relationship
Spring is the perfect time to hit the reset button.
For Landlords:
⢠Collaborate on Solutions: If there are tenant issues (e.g., noise complaints), approach them with a solutions-oriented mindset.
⢠Transparency with Changes: If rent adjustments are necessary, provide clear explanations and as much notice as possible.
⢠Renewal Conversations: Discuss future plans early to avoid surprises at lease-end.
For Tenants:
⢠Understand Market Realities: Rising costs may mean rent increases. Assess whether your current rental still fits your budget and needs.
⢠Negotiate Thoughtfully: If requesting upgrades or improvements, frame them as benefits for both sides.
⢠Express Gratitude: A little appreciation can go a long wayāthank your landlord for prompt repairs or responsiveness.
5. Knowing When to Move On
Sometimes, despite best efforts, itās time for a changeābut separation can still be positive.
For Landlords:
⢠Identify Red Flags: Consistent late payments, damage, or lease violations may necessitate initiating a conversation about a potential move for the tenant.
⢠Follow DC Regulations: The District of Columbia has strict tenant protection laws. Always provide proper notices and follow legal protocols to avoid complications.
⢠Exit with Professionalism: Treat the end of a lease as a business transitionākeep emotions in check and document all steps.
For Tenants:
⢠Know When Itās Time to Go: If safety, habitability, or repeated issues arenāt resolved despite your best efforts, it may be time to move on.
⢠Provide Proper Notice: Adhere to lease terms regarding notice periods and leave the property in good condition.
⢠Leave on Good Terms: Positive references from previous landlords can make applying for future rentals more successful.
Conclusion: Spring Forward, Together
A little spring cleaning in your rental relationship can make a world of difference. For landlords, itās about resetting expectations, enhancing communication, and retaining good tenants. For tenants, itās about understanding your rights, being proactive, and collaborating for a better living experience. By refreshing how both sides approach the relationship, you can avoid unnecessary turnover and create a rental experience whereall parties can thrive. After all, sometimes a little tidying up is all it takes for a rental relationship to blossom anew.
Scott Bloom is owner and senior property manager at Columbia Property Management. For more information and resources, go to ColumbiaPM.com
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