A general rule in qualifying for a home mortgage is that your debt-to-income ratio be no higher than 28/36 percent on conventional loans and 31/43 percent on Federal Housing Authority (FHA) loans.
Slip bobber or tight line from shore. Fish with small minnows and crappie rig near the bottom. Yellow perch move in shore to spawn in mid-April and they can be caught from shore. In mid-April fish near shore just off the bottom.
Maryland Yellow Perch Fishing. Yellow perch are found throughout Maryland in lakes, reservoirs, rivers, creeks, and streams. Also known as ringed perch, these colorful fish are famous for their spring spawning runs. In some Maryland waters, yellow perch can be caught year-round.