We view the higher HOA as if we had to pay for an external property manager. 

Can anyone provide a general price for a new external door for an apartment complex in a cold weather area?

The contractor guessed it is from the external pipe of issue, though is more concerned with fixing the pipe and cleaning up things at the moment.Whoever replaced the sprinkler head in the front yard did not secure it properly as it had come unattached sometime during the night, with water pouring over the road when the sprinklers were turned on.

Any banks out there that make it simple for a business to personal external transfer without fees?

There's a well-known phenomenon in larger balloon-framed buildings in extreme climates where the joists dry out and shrink closer to the external walls and retain more moisture and hold to their original dimensions better in the middle of the building.

The thing that you are looking to protect against are both internal liabilities (for example, you are found liable in a car accident) and external liabilities (an individual trips and falls in your rental property).

Sometimes repairs/improvements have to abide by certain external standards, sometimes they require formal notification and approval of neighbors (e.g. installation of a pool), and sometimes they are prohibited altogether.If you have specific repairs/improvements in mind, I would see if you can get in contact with the HOA Board (or Property Management company if relevant) ahead of time to learn of all the relevant guidelines.

They frown upon external links here in the forums, but (aside from Bigger Pockets of course) one of the best resources for new landlords is Evict TV (easy to find with a Google search) - literally hundreds of videos about landlord-tenant issues and how to address (or prevent) them. 

.- Dollars will have to devalued inevitably both for internal & external reasons for the long term. - Interest rates can't go up aggressively although Fed strongly wants to. 

I was thinking of once heloc is approved, transfer the funds to external bank , use same funds to circle it back into the monthly payments due.