Give me money so I can prove some guy on BiggerPockets wrong? 

If this is not possible, take some time to get to know and be-friend the other HOA board members before you waste money with an attorney.

Instead, the answer was to make a new money making market off of it.

.#2  MINDSET:  Just like some people will NEVER become real estate investors regardless of time, money, related profession, - MOST people will never become real estate investors.   

Once your emergency account has a reasonable amount in it, whatever that means to you, you might want to think about steering that payroll money into the investment savings account from each pay check and leave the emergency account money as is.

So does anyone have any guidance and ideas or know any banks that do rehab loans were all the money including labor is upfront and then we pay a monthly?

Even the funding alone is easier since you now have a cash flowing property that can help you fund your seed money faster. 

Harder to qualify for cheap/free money as you collect more homes. 

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

@Geoff Engel If you don't want to be a landlord but still want to be involved with investing you could be a private money lender for flips or in partnerships and bring the money to the deal.