Once you have a shortlist, sign up for an account with each one and test them extensively to see how they function.

Quote from @Kadia Lawrence: I won't accept new renters with section 8 because HUD delays are ridiculous and result in additional loss of income.

I know they do a 7-day free trial so you can always test it for yourself, but from what I understand you can get an extended 30-day free trial with a member referral link, so here: https://www.monarchmoney.com/referral/d2xp9tbgyrNo pressure or anything, just helpful if you'd like to do 30 days instead of 7!

As many have warned I keep a healthy reserve, the likelihood all of my wrap buyers and renters stop paying by the masses is a risk I'm willing to accept since doing nothing is much riskier in my opinion.

Accept the insurance any way they want to issue it.

They also do stress tests.  

Typically most lenders will not accept another appraisal if one has been completed by an AMC and the lender agrees with the value.

I would be communicating with my HML prior to the purchase to make sure we are all on the same track and once the offer was accepted let my HML know and get the hard proof of funds.

You have to drug test and these are expensive.

Maybe that's not possible too, I like to operate in the realm of possibilities though and an hopeful someone has experience in something that is acceptable to the HOA and my goals.