IMO, they result from the HOA management establishing reserves that are insufficient (underestimated replacement cost or inflation not accounted for), or the reserves fail to even consider that certain HOA responsibilities will need replacing, or no reserves whatsoever.

@Matthew Gould - insufficient information...How many properties at what lien amount and what are the fair market property values?

It's how I maintain a strenuous day job in commercial construction mgt, my real estate side hustle, a long distance girlfriend, a busy travel schedule, and still get a good night of rest.Here's an outline of my principles/toolsInfluences: Getting Things Done by David AllenProcrastinate on Purpose by Rory VadenDeep Work by Calvin Newport (probably one of the best books I've ever read)Energy Management before Time Management (nutrition, rest, movement)Tools: Bullet Journal (this is new to my system & I love it- I'm a pen & paper kind of guy)Google Reminders (whenever one of my trusted systems aren't present)Google Inbox (vs.

At this point in my life I've come to a realization, that If you want to be a successful person, you must exhibit successful habits and behaviors, I am going to work to being more disciplined than I've ever been from budgeting money to Time Management and better sleep and fitness/nutrition habits.

Just last month I had someone go from "Insufficient data, no FICO score" to >800 in a month.

Have a clause in your lease that clearly states that rent is applied LAST, after all late fees, insufficient funds fees, municipal fines paid by landlord, utility bills paid/incurred by landlord, etc.

If your capital is insufficient you can partner.. 

An exception would be extensive storm damage that goes beyond the surface and affects multiple areas.The most common repairs performed on roofs include:90-95 percent occur around flashingBlown- Off or loose shinglesPonding water due to insufficient protective measuresPunctures or penetrations relegated to a single areaShingles that are curling upwards may mean there are leaks underneath the surface or that water is getting into parts of a roof where it shouldn’t be going. roofs with curled shingles often need to be replaced within 1-5 years.Complete replacement is typically recommended when:Damage extends below a roof’s surface layerRepairs are becoming increasingly frequentBald spots are showing up where granules( materials that provide added protection to a roof) are missingA roof is more than 20- 25 years old or has undergone too many re-roofs to make re-roofing a safe option againAn existing roof was poorly installed or not installed according to codeRoof replacement doesn’t necessarily mean completely tearing off an existing roof and starting over from scratch.

The fact that we literally provide one of the most important commodities outside of like, nutrition and air!

Although - she does not meet any  of my screening criteria: insufficient income (hence the VASH program); and >1 prior eviction for $$ reasons Before  her acceptance into the VASH program.