I am also interested in learning about creative financing options for purchasing these homes.

Remember cash is King and Owner financing is better.Understand creative financing, always ask for owner financing, possession, subornation, substitution of collateral, delayed settlement and discounts for early pay off.Offer less - guarantee your equity profit - some say, "If you are not embarrassed with your offer, you are offering too much!"

GA BP:I Guess this would be some kind of seller financing/creative financing and need solid advice.

Is there a creative finance method that can be used in my situation that will not trigger DOS and also will not leave me with a huge tax bill once ownership is transferred?

REI can be done with little to no money down its creative financing there is no right way to do it, put on your thinking cap and network you have plenty of resources to use (a good deal always finds funding)

I plan to start building capital by doing some wholesaling and then doing more creative investing to build my portfolio.  

What other creative ideas are wholesalers implementing?

@Ian Davis Technically no, if you're doing buy and holds you don't have to worry about ARV.. although many people do use this as a way for creative financing in the future, creating equity in their rental for future purchases..The margins people look for vary by investor..

If so, they are legally bound to provide copies of meeting minutes, financials and other documents upon request.You are likely correct in that issues with the HOA may cause problems when trying to sell the property as the lenders will look at financials, reserves, etc. to ensure everything is above board.If you can't get cooperation among other owners to make a change, and are truly being stonewalled, then it is going to be time to get legal representation. 

Just ensure you have a clause that the contract is assignable.