Also send an email and text and save copies of all.And what they said^^^^^

We have used our flexible saving to pay down mortgage on the property with the highest interest rate.

We are considering becoming a private lender with them and I am doing some background research on him and his companies and wondering if anyone has done any deals with them.

The net result is basically the same, but it keeps the two properties separate from a lenders perspective.Any low down payment money, particularly on an investment property, is going to come from a private money lender.  

Quote from @Benjamin Finney: I'm curious what real estate investors and private money lenders like myself use to inform their businesses strategy and predict future market conditions.

The important things to consider about HOA fees is that they usually include some utilities: Water/Sewer, Trash, sometimes shared amenities like gym, clubhouse, pool, and they are saving you the time and headache for property maintenance: lawn care, tree timing, roof, siding, etc.

It will literally save you 10's of thousands of dollars in taxes. 

For those holding hope they will fall and save existing deals, don't hold your breath. 

Assuming they save $10k in interest over three years and get $10k in cash flow and $10k in appreciation, it’s kind of similar to the cash offer, but definitely more aggressive.

Get a bank statement to cross-reference their paychecks as most employers now direct deposit.You'll also see if they have a savings history or are living paycheck-to-paycheck.If they are not paying rent right now and have no savings, how well do you think they'll be able to adjust their budget, so they can pay rent on time?