I applied for a HELOC and when they ran the title it came up that the 8k grant is actually a second "soft" lien against my property that will go away after 5 years which prevents this bank from allowing me to have a HELOC.

I've seen numerous QI's fail during my 40 years in the business, and most of the failures would have been prevented had their been government oversight. 

I don't think we will be able to afford a 1.5M+ mortgage without a huge down payment (sale of our house).I feel this would be going backwards as we would focus on one property preventing us to do other things.

It is imperative that you take this action to prevent fines and legal issues.

A few clients or properties can suck up all of our time and attention and ultimately, prevent us from taking on more business. 

@John Voychick I'm so sorry to hear about your experience, it really pains me to hear about people getting subpar treatment and customer service I always listen to people's experiences to make sure that I can prevent these kinds of things from happening to my clients.

I'm trying my best to prevent mold growth, so I asked tenants for their renters insurance, to which he said, "our renters was with geico and we just switched insurance providers this month and have not got a policy active yet." 

While it can feel like a hassle, these inspections help prevent bigger (and costlier) problems down the line.

It also prevents you from making the #1 noobie mistake, which is buying in the hood just because it's cheap.

Maybe they would/could take it upon themselves to pay for the repairs to the roof to salvage your unit and prevent further damage then they would go after the HOA to recoup costs.