I'm trying my best to prevent mold growth, so I asked tenants for their renters insurance, to which he said, "our renters was with geico and we just switched insurance providers this month and have not got a policy active yet." 

I applied for a HELOC and when they ran the title it came up that the 8k grant is actually a second "soft" lien against my property that will go away after 5 years which prevents this bank from allowing me to have a HELOC.

It is imperative that you take this action to prevent fines and legal issues.

Keep a leverage player on hand, if you find a great deal.

A few clients or properties can suck up all of our time and attention and ultimately, prevent us from taking on more business. 

It also prevents you from making the #1 noobie mistake, which is buying in the hood just because it's cheap.

I know a few pro football players that had short careers.

Buying in a quality area and being thorough with your tenant screening are the best preventative measures you can take to avoid that situation from arising.

While it can feel like a hassle, these inspections help prevent bigger (and costlier) problems down the line.

Maybe they would/could take it upon themselves to pay for the repairs to the roof to salvage your unit and prevent further damage then they would go after the HOA to recoup costs.