@Marcus Moore that’ll be governed by state specific laws related to heirs and probate.

Hershel, 30349 is not considered a "desirable" area yet and is on the South side of Atlanta whereas the tech sectors are closer to downtown or North of downtown ATL. 

Personally I will only rent yo someone with a government voucher in the very low end neighborhoods. 

You do not want to own property (or earn income) under the jurisdiction of a desperate & broke government unless there is a risk/return ratio that takes such an environment into consideration.

The term "material amendment" as used herein shall be defined to mean additions or amendments to provisions of these Bylaws which-establish, provide for govern, or regulate any of the following:  (a) voting; (b) assessments, assessment liens, or subordination of such liens; (c) reserves for maintenance, repair and replacement of Common Elements; (d) insurance or fidelity bonds; (e) rights to use of the Common Elements; (f) responsibility for maintenance repair of the several portions of the Property; (g) expansion or contraction of the Property, or the addition, annexation or withdrawal of property to or from the Property; (h) boundaries of any Unit; (i) the interests in the Common Elements:

We figured that maybe we can continue to borrow from the private sector if borrowing from equity isn't the best option.

If you had read and understood, you would have seen that in two federal cases that went to court that two different federal judges ruled against the government and concluded that email was proof of submission.

I called my local government about a condemned property and the inspector for that area of the city was tremendously helpful.

Pool multiple “lenders” into this loan and that could be a problem with securities laws and/or other state laws governing lending. 

You might be seeing the results from bad local government policies.