The first example I used has excessive fees for what they offer, and don't do what they're supposed to do.

You're best option to get all these questions answered is to find a local/regional bank (local to where you want to build) and see what their appetite and offered terms these days for construction loans. 

The Board decided there was excess money in a fishing derby account and transferred $500 out of it and into charitable fund.After contacting board president with my concerns.

The threshold for STR with FDOR (known by most as the sales and use tax enforcers) is 6 months so I keep a clause in my leases that if they move out before occupying the property for at least six months they're also on the hook for paying sales tax on their rent (6.5%  in Orange Co. but varies from 6% to 7% depending on local voters funding their favorite projects with the amount in excess of 6%). 

Hey,Has anyone had any experience purchasing excess bank real estate inventory?

Funded in part with private money and the balance with investment partners, the project created profits in excess of $200,000. 

You now have a Loss in Excess of Basis Scenario and.... guess what?   

I emailed him Sunday regarding notices I received re electricity getting shut off soon due to lack of payment and a $100 fine because of excess garbage put in the front of the property.

Real estate is the last place you want to park excess cash if you believe we are at the top of the cycle. 

I do work to drive long term guests to book directly, as the fees for both HA and AirBnb become excessive.