The issue today is that people are doing I/O just to juice the cash on cash in order to squeeze numbers so they can overpay for a deal.

And few banks lend to investors there (due to the low loan amount...the juice is not worth the squeeze for them).

Probably a local bank his your only will get that kind of loan fruit a bank who gets more into your ability to pay and put 20% down but usually a longer term.  

Lastly, consider tricks that could juice your returns whether that’s room by room furnished rental or Airbnb or buying via direct mail (off mls) or even subject to someone else’s (low interest) mortgage.

I will add this to my notes.Also with regards to the tree cutting, I think the tree is a real property because it doesn't require a cultivation and therefore, its a fruit of nature as they say. 

I’m mainly wondering if neighbors can collectively come together to enforce restrictions and prove fruitful, or if the restrictions and any way of being able to enforce them died with the HOA.

Personally, I spent too much time trying to study every last REI concept before realizing it wasn't fruitful. 

Congratulations on the fruit of your labor.I would prefer option C.

In just 20-30 minutes per day, you can get moving, get those creative juices flowing, improve your circulation, and boost your energy.

Too much squeeze for too little juice!