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.
Yellow perch are an important sportfish in Maryland, especially in the Chesapeake Bay area and Deep Creek Lake, because they inhabit a vast territory, a wide variety of habitats, are a schooling fish, and congregate near shore in the spring.