I am fearful of someone taking my hard-earned money and leaving me in debt.

If this is not possible, take some time to get to know and be-friend the other HOA board members before you waste money with an attorney.

Even more importantly, is is positioned to be the top sector for the next 10+ years, thanks to the retiring baby boomer population and the lack of adequate new facility development.  

Be sure to explore all around the forums as well as many of the FREE tools that Bigger Pockets provides.I am on the lending side of things and am always happy to hop on a call to discuss loan options that are out there, even if not offered by my resources.

By the end, we barely broke even, and the friendship?

And, for those people who have more time than money, they can put in sweat equity into directly owned real estate.

Can we seller-finance his house with a promissory note of some kind even though he still has a mortgage?

My name is on the deed, but I don't have enough money to do what needs to be done.  

The approach involves using a hard money lender (HML) to fund 75% of the purchase price while having the seller carry back 25% in a second-position loan, allowing you to flip the property with little money down.

There is no automation or even ability to have chat templates.