If someone has to be so aggressive in managing their negative reviews/reputation online, and suppressing other people's speech...very bad sign.Finally, some of my current clients are "refugees" from Karim' program.

You'll want to make sure multiple banks look at the deal to see general appetite for financing.What happened to us is we took over a string of condos from a non bank lender that foreclosed on the properties. 

Does anyone know the appetite of the HOA? 

My neighbor did this during one those programs (had a 2 family, made into a legal 3 family by converting the basement) but, among other things, he had to install a fire suppression system in the basement, expand windows for egress/ingress purposes, and do a whole bunch of other things.

Tailor your approach based on your risk appetite, long-term goals, and the specific market dynamics you're comfortable with.

The only way you can break that log jam right now is severely lowered fed rates, but the level of federal debt is such that they're in a no-win situation because there's going to be little appetite these days for buying 1% fed notes from overseas.The fed rates were kept too low for too long.

If you're in a very precarious spot I'd be 100% fixed income and then depending on risk appetite & unit count down to 30% fixed income.

-- depends on your risk appetite but leverage can certainly pour gasoline on your real estate investment fire in both a good or a bad way. 

You cannot suppress these rules by such trickery.

The end goal is to be fully dedicated to investing but there's so much to learn and I don't have the risk appetite to also quite my 9-5 to fully dedicate to real estate.I would love to learn more about investment deals and how I can find ways to fast track my goals.