So if the homeowner saves energy or goes on a long vacation, they still get charged 100%.

The important things to consider about HOA fees is that they usually include some utilities: Water/Sewer, Trash, sometimes shared amenities like gym, clubhouse, pool, and they are saving you the time and headache for property maintenance: lawn care, tree timing, roof, siding, etc.

He's absolutely right that using debt to control cash flow is also creating tax free cash for expansion.

Not necessarily a scam, maybe someone trying to save fees. 

I had to have Anderson re-do one of my LLC's from the other guys to save me money in annual state fees ..I look at it this way, as long as my business/investment income covers the costs I don't have a problem paying for reliable - worry free information and work.

. - All they've got to learn is to save some of their income to pay their bills on time and they could then afford to buy a home.Instead, they spend every penny they make on things they don't really need and then blame everyone else.Take a look at a Class C or D tenant's bank statement to see the frivolous things they spend their money on and you'll better understand our society's biggest problem.

Has any BP member ever been saved by their LLC?

Sell the property, buy cheaper, and have more cash to put into another?

I wanted your typical 3 bedroom house (not necessarily 2 bath) which cash flows.

There was an article published in Sept 2024 that showed the average consumer would save over $10,000 by working with a broker vs a direct lender over the life of their loan.