Not sure though since HOAs seem to have way more power than they should IMO. 

they will lose a ton of interest on 5.5% loan if we refi with someone else, but it would likely be 7% so its a lose-lose, they will lose our business and it could be in their favor to just drop the abusive term, ridiculous that a conventional loan doesn't let you keep the place after moving out. never saw that coming and this type of "pulling a fast one" is exactly why the other buyer who couldn't be present on closing specified that the power of attorney for signing closing documents was limited to exclude anything unnecessary. 

Air conditioned air leaking to crawlspace making crawlspace heat or cold depending on season causing more power bill to tenants.

If I was you, I would just make sure you do everything in your power to qualify in 2025 because it’s going to be quite challenging. 

Of course if rates go down, you should be good, if they go up, then have them rerun your payment amounts and purchase power so that you're good to go there.#3.

The $47,000 renovation investment paid off with a strong sale, demonstrating the power of strategic improvements and collaboration with our partner, Billy Medlen.

Meaning, automatically turn on power when a tenant leaves...Or, is this to difficult with multiple power options.

And the power of leverage will bring me generational wealth in about 10 years.

This house had 12” of water/ice in the basement... there’s a nice sump pump set up just sitting there with no power...

You might luck out and find a guy that on the DL hates gov and loves to comply just to take back the "power."