Income approach Also known as the rental income approach, this method estimates the market value by analyzing the property's anticipated future income and converting it to a present value estimate.

Make a free account....

I also ask if they've ever been evicted, refused to pay rent, or filed for bankruptcy.Further, I ask account numbers for their checking and savings accounts, and the approximate balances in each.

(End)Unfortunately, HOAs are often ran by individuals who are not the most knowledgeable on regulations, accounting practices, and more - and property managers do not want to intervene for fear of losing the contract. 

I have totally given up on Quickbooks though it remains the best accounting software for the non CPA type 

Read these posts:https://www.biggerpockets.com/forums/51/topics/1122635-the-s...https://www.biggerpockets.com/forums/51/topics/1075919-five-...And this is my advice on finding a real estate accountant here on BP:https://www.biggerpockets.com/forums/51/topics/1222774-expla...

Assuming when you say "$3900/mo in rental income" you mean cash flow.That means it will take you about 13 years of rental income to equal the $500k in equity you have now. 

Do you see why we accountants say "likely" and "possibly" in every paragraph we write?

@Jay Fayz Do you have a source of regular income? 

@Scott Trench accountability check in?