@Dax GurrI believe in Utah you can evict after you gain ownership.The reason cash for keys is better is that you want to avoid a contentious relationship while their in your property with nothing to lose...and probably a bit bitter in the first place.Definitely try to talk to them.

I think it is better to dissolve HOA, than have an increase that rivals HOA's on the Vegas Strip like Mandarian Oriental.

There are other C class areas that rival this, and then there are of course higher risk/higher reward areas that I love, but that OOS investors are often a little nervous about.

Investing in your first investment property will be like trying dark chocolate for the first time... it may be sweet and leave a bitter taste in your mouth, but you will become addicted.

Its kind of bitter sweet.

Not complaining, as it was still a very beneficial experience and we still made some money - but I'd be lying if I said I wasn't a little bitter! 

And that worked until I met... we'll call them "Loser 1 and Loser 2" (no bitterness here...). 

Shall I go on, not to sound bitter but just realistic. 

Anyone in Cleveland know of any banks/lenders who would be able to do a 5% down loan that rivals FHA? 

Anyone in Cleveland know of any banks/lenders who would be able to do a 5% down loan that rivals FHA?