We gutted the bathroom down to the studs and we are doing a whole new makeover in the kitchen.

Next item to know is there is several different constructs for Common Interest Communities, and while most just use the blanket term of "HOA" to define the organizing body, the legal construct varies wildly.

No body better than person in the mirror. 

I’m looking at a mid sized multi family that is in need of a makeover.

The upper floor had 2 nice-sized bedrooms that got a full cosmetic makeover with new paint, lighting, and carpet.

I know of folks who have LTRs near bodies of water (Mystic, Goshen etc) and I’ve looked into it but not nearly enough to provide any sort of advice.

Above everything I have already stated, it's also home to The Ohio state university, headquarters for L-brands (Bath and Body Works, victoria secret, and Pink), White castle, Wendys, and the new Chipotle headquarters is being finished up downtown.  

I don’t think ANYONE read the title of your post or even the body of it. 

It’s good advice but not practical as then no body needs any insurance.

As we shared in our earlier comment, there is a substantial body of work--from think tanks, academics, non-profits and journalists--that speaks to this matter.