Any one of these could and regularly trigger a special assessment.

You can potentially qualify for a regular rate & term refinance of the 91k loan (plus closing costs) within 12 months.  

@Andrew AcunaPlenty of arm chair investors that don't know the difference between a shoe horn and shoe molding.Regrettably the majority of tenant problems are created by incompetent landlords.You have read the posts....my tenant regularly pays late.

Better tenant selection and regular inspections will stop this from happening.

It is much more challenging to create supply in the Northeast further increasing demand.

I've looked in NH for an area and opportunity that would cash flow regularly and it is hard to find a property that does so year round. 

A common issue is supply and demand effected by population changes, construction, economic issues, the job market and location.Personally I haven't seen vacancy issues at this time,  but I have gone through cycles of vacancy issues.

Regular channels for mortgage will not work....

There is a lot of pent up demand due to high rates and there is still a major lack of new supply.

It's not any specific form, it's the regular monthly/annual report from your PM.If you're self-managing this project, then you need to give your tax guy a detailed list of your expenses.