BUT The points they charge and interest are both way higher than normal, on some deals I ran numbers the points and interest were going to be 20k on properties where the ARV is 100k so you have to get properties at such a low price to make it work that it is so hard.

Agents can quickly run comps so that would be helpful for you.

So after speaking with our cpa we have decided now will be the time to sell and avoid capital gains tax ! 

If so, are there legal ramifications for the HOA board or voting members? 

Works for many agents but those are all miserable (in my opinion) and I don't do any of them.With you avg prices around $360k (and maybe 2.5% or so your side), you really only need to do about six transactions to hit your target.

If you want to discuss it further, let me know and I'm glad to do so.

So it sounds like this is a once in a while problem.

They said that was too low for them, so I offered $175,000 and they accepted. 

I have a duplex and single-family at East Stroudsburg that I purchased right before interest rates spiked so I am comfortably at a 3.125% interest rate on the two properties.

There's so many options but they all do the same thing (more or less).