yea we have alot of money in low cost index funds as of now. they work great in between saving for a property with cash.I've though about leverage but between the p and I cap ex maitnance vacancy and all the other stuff it is cheaper to buy the condo with cash then up and sell it when I can buy the duplex. taxes are high here for homes on there own lot the condo is closer to 1 percent property taxes were as single family homes and duplexes and such are closer to 2 percent to 2.2 percent so that is a big reason why it makes more sense as of now.yea just this first duplex I want to pay cash for. after that I have no problem with leverage. but if we live in it it's gotta be paid for it creates a very stable rock so if the wind blows hard I am protected and have no worrysit really helps ease my anxiaty disorder and will prevent a stroke at a early age. a large reason as well is we cant qualify for a morgage that large.

Is there anything to prevent this?

How to prevent foreclosure?

I was all set to go then found out my neighborhood HOA had a bylaw preventing ADUs, even though my house is a SFR

I can appreciate that how the idea of selling and keeping that commission sounds good, but sometimes, it's best to pay upfront to prevent any legal quagmires down the road.  

And to expand on @Benjamin Reemsnyder said, condo bylaws sometimes prevent more than a set percent of the total units to be rented.

It's called "life".Those that believe a term will prevent tenants from leaving during winter or hard to rent months do not understand the business or their tenants.There is zero guaranteed upside to a term lease and you give up being able to control your property or your tenants.

@Daniel AntonettiIn general, not much you can do after closing.If you had made specific requests about the tenants in your sales agreement then you might be able to go after the previous seller for not complying.But, if you didn't have specific language in there, the owner is still able to renew leases.Even if you had Estoppel Letters, it wouldn't prevent the seller from doing something sneaky at the last second like signing a lower rent lease in exchange for doing fixes the seller didn't want to deal with out of pocket.

Originally instituted to prevent land speculation by ski resorts, it is applicable for the first 7 years of ownership.

I always call everyone back simply to prevent any kind of discrimination .