(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. 

Have you looked into local credit unions or alternative financing programs?

Although I've considered a future line of credit against the property as my best long term option, I would need to pay down the remaining balance first.

@Scott Trench accountability check in?

Run your numbers meticulously: As an accounting major, you’re in a prime position to analyze cash flow and ROI.

RentRedi’s syndication marketing helped us secure a great tenant in under four days, including employment and landlord verification, as well as criminal, credit, banking, and eviction history checks.

So is this just as simple as showing how much the property makes or do they also look at personal debt to income, credit score, reserves etc as well.

After I got an LLC set up, I was set up with a credit coach and he is helping me get my corporate credit set up.

There are loan programs that will do a 20% down payment with a 680 or above credit score. 

The masterminds often encourage students to finance the new-car like entrance fees on a credit card, on the promise of just a single deal covering all the entrance costs.