I'd like to speak to the it's the owner not the dog, it's a bit like the gun control issue.

Regarding the HOA and CC&R's, the builder can make changes to the CC&R's pretty easily while the development is under Declarant Control.

The title company that was used for this transaction held things up and unfortunately, we had no control over that.

Focusing on what you can control, like consistent effort, really sets the foundation for success.

California is the only state that has essentially put a rent control type of restriction on home owner insurance premiums.

The sooner you regain control, prove that you fully intend to enforce the terms of your lease, and that you will not be 'played' by their recall of events or documents, the more effective this action will be.  

In other words, all the other MTR hosts are dealing with the same expense.To control this expense, I always recommend an utility cap where tenants are charged for any usage over an established dollar amount.  

You are in control of how the set up works, if you need interior designer help.

The issue I have here is how much control they have over my position, ( they have the right to buy me out at any time).  

But, this has absolutely nothing to do with living out of a line of credit rather than a checking account.Even not counting the opportunity cost credit given in the analysis for the “reserve” theoretical investment, the additional nickel and dime fees associated with the HELOC will eat up any savings.Perhaps you became much more vigilant at controlling expenses when you decided to use the HELOC to pay your everyday bills.