The key here is to know what's in your HOA documents.Generally what happens in a situation like this is that you would make a claim on your insurance and then they would subrogate it to the responsible party (either the HOA or the other unit owner), so I'm surprised that your insurance company is giving you the run around.Make sure you've got a written statement from YOUR plumber indicating where the plumbing fault came from and, before you patch the drywall, get the HOAs plumber in to look as well (if they have one).  

If there are any areas of walls that need dings and dens fixed, I would be inclined to mark them on the wall and describe them in the scope.Make sure to indicate very specificallythey are required to clean up after themselves and to not clean their tools in your finished sinks.

My agent indicated that a pre-qual needs to be submitted with an offer.Fairly certain that hard money is my best (if not only) play for this deal, taking into considering my income, cash on hand, and the opportunity to close fast.

If the list price is 189,900, is that a pretty good indication of their reserve?

No firsthand experience, but every time I've seen this question come up the responses indicate that for a few small units LLC will not protect you better than simply adding an umbrella policy to your insurance while being more complicated and expensive to maintain.Also many snags to consider such as banks not likely to finance residential property to the name of an LLC, transferring to an LLC later can trigger a due on sale clause in your mortgage, if you mix personal funds and LLC funds to pay for something you can negate all legal protections.

@Roy N. sorry for the multi posts when I clicked post on the app it just shut down and gave me no indication that it posted.

The results of a quick bout of on-line searching seems to indicate that {some} parking lots in Florida operate this way, so it is doubtful you would be charged with auto theft for doing the same.

You agree to pay the monthly rent indicated above via deposit to the following checking account at YOUR BANK: account # 123456; routing # 12345678  (nearest branch is BANK ADDRESS).Rent is due in full on or before the 1st day of each month without deduction or set off.

His card doesn't indicate if he is licensed in Ohio - but you might at least get a referral that serves that segment of work.  

(not uncommon).Sometimes you'll see a place in good condition (but with low reserves, indicating they spent the money to renew the place); or one with high reserves but in dated condition (sign of a tight fisted board).