The HOA is not likely 'crooked', they are doing what they think will minimize costs for the homes in the development.

Seems like an odd time to go dark on a thread he was so active in.

And their onboarding fee is minimal ($200-$500) and becomes fully refundable if you end up hiring someone from their vendor marketplace.

I'm looking for recommendations for someone who has experience structuring loans to minimize the taxes for me as well as either a service or software to maintain the loan, writing the note properly and how to receive payments etc.

Be willing to adjust the rental price if necessary to attract potential tenants.Implement the following steps to increase your chances of finding suitable tenants and minimize vacancies.Generating Interest and Attracting Potential Tenants:Making the Listing Take professional photos!

If I actually still lived in Phoenix I would probably sue a lot more often since small claims court requires minimal paperwork and I could do it myself.

It's just a standard lease agreement from Avail.com (which appears to be the same form from AOA), with minimal tweaks from an attorney. 

You've increased value in your NW and have minimal maintenance for the next decade. 

It lets you get into real estate with minimal down, you can build equity in a property while your tenant in the other unit helps pay down the mortgage, and if done correctly reduces your monthly living expense. 

I have 20k saved and plan to use an FHA 203K loan and house hack to net zero/cash flow minimally on my first investment.