Just got done reading the entire thread, so what is the conclusion who are the reputable lenders with a closing track history that can be verified that lend 100% without charging an arm and a leg to good qualifiers with good credit and income?

Wholesalers can be a great resource as they will take the leg work out finding the properties for you, but assigning contracts can come with difficulties in the title.

And I’ve only had to do that once because the guy had his leg amputated and couldn’t get around the house safely.  

Also on the backside of the property, she put a junky chair and table with a smoke bucket and dog tie out.

Includes lots of chairs and tables.

If the product has legs, it's got legs.

Hotels don't just throw whatever couch and whatever chair is available into their rooms, so neither should you.  

NOW, if there was a recent storm that cause a sudden leak resulting interior damage you may not have much of a leg to stand on because HOA was not neglegent in doing timely repairs, it just happened.Now if you think they should repair but they won't you will have to sue your HOA (yourself also since you are an owner) Once they board and HOA recieve the letter from your attorney, they will likely just settle and fix your wall inside since it will be way more costly to defend and it may raise they HOA insurance next year, thus passing the cost to you via your HOA dues.

Occasionally, like maybe twice a season a guest would go out and read in the lounge chairs on the deck.

Providing beach chairs, umbrellas, and a cooler can enhance the guest experience and contribute to glowing reviews if your property is near the beach.