Morning quiet time with a cup of joe, read, exercise, travel, time with my wife take priority. 

For various reasons, I'm eager for them to just exercise and buy the house.

@Mike Kulnich Would you recommend taking a real estate course online or attend a physical class in order to meet the required 60 hours?

This is usually only exercised in cases where they can not legally sell the property due to foreclosure process errors. 

My first deals I as very hands on in the sense that I did demo, installations, and other physical labor.

Here in Colorado, I pay the following:$279 for a 432 unit community that has a pool, a clubhouse, an exercise room and pool tables, landscaping and a shared water bill$305 for a 183 unit community with no pool, but has landscaping and a playground$338 for a 120 unit community with a pool, a clubhouse and landscaping.Your mileage may vary, but your HOA dues seem reasonable(ish) to me.

It's a one time payment that guarantees that only you can buy it, and it locks the price in, and...there are no monthly payments (or income) until you exercise your Option to Buy.

We still do spontaneous giving as well, but just like planning a weekly exercise routine keeps our muscles strong and growing, I think having a plan for giving keeps our generosity attitude and practices strong and growing.What has your experience been with giving and generosity?

However I’ve reached out to my Previous lender and she stated the equity would be considered paper equity and I’d need to physically pay in 20% on my own before they’d remove PMI.

Buying physical assets is unlikely to lose principal unless you're over leveraged...To me, the control is more valuable with direct investments, passive investments are for later in my career.