@Sam Ojo Sounds like you've made a lot of positive moves that have resulted in you having options at this point. 

@Alecia Loveless  We plow AND salt , we dont give the customer an option . 

It’s inexpensive to provide but can make a big impact.Comfortable Bedding: Investing in high-quality mattresses, pillows, and linens improves the guest experience and leads to better reviews, which can boost occupancy rates.Smart TV or Streaming Services: Offering Netflix, Hulu, or similar services is a low-cost way to enhance guest entertainment and stay competitive.Fully Stocked Kitchen: A well-equipped kitchen with basic appliances and utensils appeals to families and long-term guests, saving them money on dining out.Dedicated Workspace: If your property caters to remote workers, adding a small desk and ergonomic chair can set your listing apart.Outdoor Spaces: If your property allows, an outdoor seating area, fire pit, or hot tub can significantly increase your nightly rate and attract more bookings.Energy-Efficient Features: Guests appreciate eco-friendly options like LED lighting, smart thermostats, or solar panels, especially in eco-conscious markets.Keyless Entry: A smart lock is a relatively small investment but offers convenience and security, which many guests value.If you’re deciding on amenities to add, it’s always a good idea to research your local market.

When I have some free time, I'll research other options that won't cost a fortune for the small guy.

For best results shop the vendors (who can be covered by insurance/meet HOA requirements) and get several options to your HOA management company to have the board pick from.

I would strongly advice consulting with an attorney or financial planner to discuss your options.

Hope is the industry gets some relief soon and I can revisit some options to further improve asset revenue through amenities and/or roll into a better rate a lower principle.

If the owner submits a completed application before the servicer starts the state foreclosure process, the servicer can't foreclose until the following occurs:the borrower doesn’t qualify for, or rejects, the lender’s loss mitigation options, orthe borrower accepts a loss mitigation offer but fails to fulfill its requirements."

Seller was not willing to extend contract or accept creative financing options.

While you work on that, you could also explore creative financing options like DSCR loans or partnerships to fast-track your first STR.