In more typical HOA's, members receive copies of the Annual Budget and the Reserve Funding Plan every year, and should review and understand them.You also should review and get a general understanding of your governing Documents...By-Laws, Declaration, House Rules, or sometimes collectively DCC&R's.

Once you declare a property as your primary home then all sorts of federal compliance laws come into play...and most of those are centered around NOT exploiting the person occupying their primary residence....aka, no high fees.  

I gave them the policy declaration which clearly shows it is in the LLC's name.  

My understanding is that the property must be in my name and declared as my residence (driver's license, bills,etc?)

I'm in Muscle Shoals and grew up in Russellville.

I'm working around the Muscle Shoals area, about an hour west of Huntsville, AL.

Potential rent declared in 2018: $6,000 per month, paid $1.5M 30% down and $1M+ mortgage.  

If you have a $60k kitchen fire, the damage may not be enough for the city to allow you to raze it, and you will only get $30-$35k for the $60k loss.In this same example, if the city and insurance company declare the building a total loss, then you would most likely get the $60k (policy limit) and could walk away.  

Bought a foreclosure with an illegal basement apartment, city found out, declared it illegal, long story, I legalized it as an office, but it has it's own meter.

An individual shall be considered a county resident when at the time the individual applies for or receives services issued by the Community Development Department, the person is living and has established an ongoing presence with the declared, good faith intention of living in Gilpin County for a permanent or indefinite period of time.".When you move there's a notice requirement of thirty days: https://gilpincountyorg.sharep...Section 2, (B), (5), (a)  (ii)I don't know how the county would view it if you and your wife have separate residences, while married without any type of legal separation.