@Chris Brown One rule of thumb I highly recommend - never ever ever buy loans from wherever you get your training.

This is not an easy feat - I am honestly so impressed by the people who have created successful growing companies in the RE industry.

I did see that mentioned in a LinkedIn post actually today, the clawback rule. 

We are currently looking at a HUD home in Georgia - I have a couple of questions and can’t seem to find a definitive answer - The home is currently in the OO listing period - our plan would be to buy the home doing extensive renovations (the home is in a “Historical” area so renovations have to be approved) once completed we plan on living there full time - it could take ip to a year to complete or longer I don’t know  - as I see it the OO designation is to be the OO for a min of 12 months - is this after the home has been renovated or after you close on the home - though the house could probably technically be lived in now it does have some water and roof damage and needs complete redo of electrical and plumbing - for me to deem it safe - so not really livable by normal standards - but no way it would be livable in just a couple of months - any thoughts or an actual answer to the OO rules 

DSCR Loans are generally tied to the 5 year treasuries (granted not much of a diff) - and yes, spreads are a little elevated recently but that is good rule of thumb 2.5%-3% over. 

First off, kudos to you for juggling all that – that’s no easy task. 💪 As for next steps, I'd focus on stabilizing your cash flow first, especially with the credit card debt situation.

I dont believe there is any kind of HOA or ruling organization for these group of houses but it has me concerned that if one day they all decide they want to repave the driveway or add lighting or something along those lines, they would try and make everyone chip in and pay their fair share. 

For example, when I take on a rehab I typically deposit the budget into a separate checking account solely for that rehab and pay all the rehab expenses from there making it easy to identify in my bookkeeping.

Also my area has a low volume of available units which generally means it’s easy to get vacant units rented quickly.

I would also check the HOA rules as it is likely prohibited.