I’d suggest starting with local credit unions or community banks—they’re often more flexible with investment properties.

If they do, your best bet is a local community bank that funds these types of properties.Another option is a private lender but that money will be pretty expensive, as mentioned 10%  + 

I don't know any forum community that allows users to delete their own posts.  

We have a pretty awesome Chicago community. 

Hi @Lance Christensen Welcome to the Bigger Pockets community!  

You looking for an attorney to sue yourself ( suing the hoa is suing yourself since you are a member of the community) may not be worth your time and you may be responsible if mold does grow while you have a tenant and then they complain of health issues since you have not addressed the problem.

Hi Kevin, welcome to the community! 

This community’s gold—thanks for kicking off such a juicy convo!

Quote from @Natasha Rooney: Hello BP Community! 

Let's cut to the chase:  "A tenant is obligated to follow HOA rules, as they are considered residents of the community and must abide by the same restrictions as homeowners, even though they do not own the property; the landlord is responsible for ensuring their tenants understand and comply with the HOA rules.