Someone who is certified in financial planning, and hopefully holds a state license of some type.I'll assume there is still tax liability because it's not _JUST_ a personal residence and it has a commercial component.

That is why it is so important to read the Governing Documents as they will state when it is your responsibility and when it is the HOA's responsibility.Generally speaking, if the HOA hired the vendor to work on HOA components (not owner components), then yes, any damage should be covered by the HOA.

I have seen significant appreciation of rents and property values so I have earned equity as well as seen additional positive cash flow.Proper management makes the tenants pay for damages so that also helps keep my expenses down.Tenant selection is the most critical component of property management.

@Mike Dymski that's definitely part of the picture. say, for example, you owned a $500k property outright that cash flowed $200/mo after expenses. to me, it makes sense for some component of the $500k the factor into hitting FI. 

@Dawn MatzeThe only SFH deals being purchased, as rental investments, I see that make any sense - are those where ADUs are being added or where there is a deep value add component.

@Michael EalyThis type of chart/analysis is a good component for general population.

How old are its various major components, such as roof / HVAC / plumbing and electrical systems?  

On the other hand, velocity banking is a strategy that can be very effective if the person implementing this strategy has the discipline to execute the all the moving components. 

The 4 components of many mortgage payments.

An investor can obtain a short term (Bridge loan) if the property has a value add component, then refinance into a perm loan once value add is completed.