In Canada all you need is adequate insurance coverage anything more is just for show, unnecessary and costly.Even in the US for small investors it is a misconception that it actually adds any value or protection.

Its a lot of unnecessary upfront costs that will be better used for marketing and building your team.      

Him not following the swimming pool guidelines alone and causing you un necessary repair costs should be grounds to evict him, but again depends on what your lease saids are possible consequences and your state laws are. 

@Brian Mathews I never plan to get married, I find to be unnecessary and very risky.

So it seems unnecessary to put $18k in escrow for the seller, what's he going to do with that money?

Like I said, unnecessary and not clear, my apologies.  

Therefore, unnecessary requests will be denied. 

I suggest you contact an attorney immediately.It is possible you are being set for an expensive shakedown for unnecessary monies by  professional  tenants.

Each HOA is different, so the key here is to read your By-Laws and maybe even the Declarations to find out what YOUR HOA considers to be a "Limited Column Element".What @Fred Heller said (with an unnecessary amount of snark) is essentially what is most likely to happen.  

You make a considerable portion of your money when you buy, so you do not want to spend an unnecessary dime.