Basically Jay is saying you need to somehow get current in order to prevent the foreclosure.

It may actually prevent some bad vibes when it comes to doing business with family.I'm in the San Francisco Bay Area but I have have rentals in Cleveland and here in the Bay Area. 

If the HOA is defunct, not operating properly, is underfunded, or has any other issues, it can prevent financing challenges for future owners (read this affects your exit), and effects the quality of the overall property.

The don't want the tenant to leave, so not cooperating with you might prevent a vacancy for them.

If all goes to plan I'll collect until I'm 85, if my cancer gets worse I'll try to sell the note while I'm above ground to prevent my wife from having to deal with it.That's a long answer to a short question but NO, I don't consider 20% to be too low, depending on conditions.

What's preventing you from using a manager?

Combination of tree roots and old cooking fat kept closing up the pipe. 

With the 3-day (here) notice they can reach out to homeless prevention programs which are well-funded and immediate.  

In addition you can not prevent outsiders from using the equipment.

I am currently looking for a property manager cause I live out of state but grew up there and still have roots in St.