He estimated closing around $8k on a $90k loan...I think I'll shop around a bit. 

Is this a really high crime area where the police just collect the bodies?

I am looking to buy a retail shopping center dallas,tx. 

And better to shop around before you really need it

But I do want to take this seriously as I don’t plan on scaling skyscrapers and beating my body to death until I’m 60 years old.

I ended up searching and finding a random retailer on google shopping.

Shop here on Bigger Pockets to find them.From a commercial lender's perspective, with no commercial experience as an investor, expect to be required to put a 30% to 35% down payment + Closing Costs and reserves off of the purchase price or appraised value whichever is less. 

I will keep that in mind when investing near a body of water, I'm sure there is some kind of insurance to cover hurricane damage?

HOA in theory can remove free rider market failure if well managed, when there are costs and/or needs for management shared by all.HOA kind of philosophically touches on the oft debated (and oft oversimplified) ideological debate between centralization or decentralization of authorityMy thesis would be: I suspect that HOA developments have higher property values in general, however when controlled for development budget on a per home basis, I would wonder if this actually holds up over time.I have heard anecdotal stories of corruption within HOA bodies, and mismanagement. 

@Lesley Ray if you are talking about your personal home yes that seems a little high to me and I would shop around.I presume because you are asking here on BP you are talking about an investor loan. 6% is a perfectly reasonable investor loan rate.