The main downside is being dependent on the HOA—issues like poor management, rising fees, or unexpected assessments can hurt your investment.

The only issue I've had is a small period where the laundry pods would always be empty at turnover. 

No issues with MTRs in duplexes, triplexes, and quads.

;however, my issue is that I dont have good credit and since im self employed I make.very little income. 

But structural issues can kill you.

We understand the committee has put the issues on hold due to Helene recovery efforts.

The issue we are running into is that lenders are not recognizing the excess amount he earns as income, therefore it looks like he will not be able to afford any loans that he would be approved for.

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

I think communication seems to be the issue here especially with your comment on how the PM is unresponsive.

He was more expensive because now I gotta pay someone else to fix it.But here's the other side of the license issue.