My hangup is that even though the HOA is not allocating $85k for the reserved this year, they will have over $200k in reserves (over 20% of the $850k budget) Everything else has been cleared by the underwriter (insurance policy, occupancy rate, ect..) but I am concerned this deal will fall through because of this issue. 

I'm ok with that but concerned about liability.  

I am concerned about the 5 yr PPP because I would like to refinance to a lower rate at least within 3 years.

This would obviously be contingent on a thorough inspection.Asking price: 1075000Annual Rent: 139kVacancy reported: 5%Insurance: 5900Maintenance: 10kTaxes: 4kUtilities: 15,600_____________________________Total Expense: 35500working on financing this week but I understand I'd be at around 6.5%My biggest concern is DOM and major repairs needed. 

Appreciate the concern!

Share your experiences or concerns about investing in rental properties.

No one was very concerned.

Will you have a dedicated PM to call for all your questions/concerns or do you call a general number?

But I am also having a lot of booked guests concerned about their upcoming stays because of the two storms currently brewing.I've thought of self-insuring but I've been able to find policies with good coverage that also cover the loss of income.  

I do not have an age requirement for parking lots; the location and surrounding competition are my main concerns