@Clark Harbaugh, Given the favorable tax rulings over the last few years (in particular revolving around trusts and their equaling a beneficial interest in the underlining propery) the IRS has actually been much more lenient (or at least silent) on these issues. 

Stairs are the only way to get in, no grab rails in the bathroom, ramps that are too steep, etc.From what I've read, all commercial businesses/buildings (including ones before the ADA was passed) have to comply with the rules, unless it would be outrageously tough to fix (like installing an elevator in an already built building).Are all these local business just not complying and taking the risk, or am I missing something? 

Does the lease also state that the tenant must follow the HOA rules? 

Asking in the correct forum will get a better response.Read the RULES!

.: What is the 2% rule ? 

A good safe rule of thumb is half of a studio apartment but this is not a hard rule.

There are rules to follow!

If you have three people renting together, combine their incomes into one to see if it meets the 3x requirement.However, nothing is that easy.

I learned about the 75% rule from BP!

Lots of gurus advertising how easy it is in order to sell a course or whatever else.