Ask for that amount of a discount for forgetting to disclose the fire. 3) you should be able to walk anyway as your inspection contingency came back unsatisfactorily. 4) is there really any structural damage or did they just leave behind charred by functioning lumber?

As a borrower you want to know how a lender will handle the construction loan administration including draws, contingent fund releases etc.,  and you will get a better feel for this if you’re directly communicating as opposed to going through an intermediary.

Is it my responsibility to get rid of the squatter or can I put that as a contingency?

In future years’ budgets, the association should consider budgeting for an Operating Contingency (funds not earmarked for any specific expense) or should consider creating a line item specifically to fund Prior Year Equity in order to bring the balance into the 10-20% range.If the board doesn't know what it is doing financially then they need a management company that does along with an accountant that understands how HOA's work.

I wanted to place no contingencies in the offer, but we need to sell our primary home to get the funds to close.

I would write an insurance contingency into any offer in Tahoe. 

@Lucas Schlund If this is your first investment, how confident are you in your budget, time frame, contingency allocations?

It's not profitable for a contingency collector to take on a debtor like this.

Like specific clauses to include, contingencies, etc. 

If I'm not mistaken It sounds like your describing rental arbitrage but with the contingency to purchase.