You can request the HOAs budget and financials to determine if it's reasonable or not.In addition to landscaping and pool, an HOA is also required to carry insurance on both the property and the board of directors' E&O insurance. 

Don’t get carried away.

I think your costs to carry are under estimated

I don't think they necessarily have the best rates but they are who I have used for my 2 properties (one of which had a seller carry-back and construction loan too).   

People often don't talk about the boring deal they lost money on simply due to carrying costs.

Here are how the basic deal looks: Home Depot $ 16,000.00 Credit Card $ 12,000.00 Purchase $ 57,000.00 Rehab Labor $ 22,000.00 Contractor Fee $ 5,000.00 Carry Costs $ 5,200.00 Refi Closing Costs $ 2,000.00 Total $ 119,200.00   The house got appraised at $140K so the bank lent me $105.

You're going to have carrying cost and this is a far cry from a seller rent back scenario.

It occurred to me to get the seller to carry a small 10% second.

My question is how to determine the proper amount of walls-in insurance to carry. 

An IRA is an individual account and is not sponsored by a business.A business, for the purpose of sponsoring a 401k, can be any type of trade or business that is carried on.