The consultation with the lawyer was about 45 minutes.

@Deisy P.I haven't heard about the situation thus far but you can always contact a lawyer if the developer doesn't fulfil its legal obligations.

My main question is, should I get a lawyer myself or should I contact my insurance and have them deal with it?

When its your lawyer against an army of insurance company lawyers that do this all day, best to not even get into that fight to begin with and do some simple extra protection. 

I buy without an agent as is but have a lawyer kind of hold my hand.

Can someone refer a good lawyer in California to write/review a Tenancy-in Common Agreement?  

I would also consult with your lawyer if you need the LLC or not. 

I'm not a lawyer, so consult one, but I don't think there is any way the bank is going to reimburse.

It's a good idea to keep an eye on any rule changes and check resources like the City of Chicago's website or talk to a local lawyer who knows about short-term rentals.

Property 1 im 120k into it, the morgage company wants 136k . its worth around 190k currently, rent is 1800 if i wanted to rent it, HOA is 450Property 2 im 280 in to it, the lender wants 360, but its worth 500 and can easily appreciate more quickly, rent is 4000, HOA is 1400i have a family friend who is a lender whos willing to help offer cash to the lenders and then i can either sell properties for a lesser loss than 400k or hold for a few years and throw tennants in it and sell after to break even with the appreciation I'm hoping the lenders for the second propery is willing to work with me , and maybe even negotiate. i hired a lawyer today. fingers crossed.BEWARE everyone because im in a very bad scenario :(