However, in many cases you likely won't be able to obtain by-laws until you are under contract.I would have your attorney include a specific "HOA" rider in the contract for this exact reason- It basically would require that you have ample time to review the governing docs of the HOA, such as master deed, current by-laws, current year’s budget, and last two years of audited financial statements, association meeting minutes, etc. 

Do they provide audit protection?

If your low income tenants are a pain to manage, maybe trade into better neighborhoods or into commercial, outsource to a PM, so many options. for me real estate ( those of us who derive our commission income from it) this is a lifestyle choice we are independent contractors and as such we have freedom to do whatever we want..

We just don't want our clients to face issues if they were ever audited and I'm giving you the same advice! 

Last year, I took the plunge into independent flipping, focusing on Cincinnati, OH.👷‍♂️ Meet the Team: I've partnered with a stellar construction crew led by a former hedge fund construction exec in Ohio, we're currently crushing it with streamlined processes and quality work.  

As Jonathan mentioned, seek out an agent (independent agents write with multiple insurance companies) who writes in both states and have them run the quotes.

And work independently from what I have seen.

fairway independence mortgage company, i like these folks a lot. they’re in cincinnati.  

I am excited to immerse myself in the world of real estate and take on new challenges as I embark on this journey.Goals:As a new member of the real estate investing community, my primary goal is to educate myself, gain hands-on experience, and ultimately achieve financial independence through smart and strategic investments.

I have an awesome girlfriend of almost 4 years and is a big motivator for me trying to become financially independent so I can provide her and my future family a great life.