I've had several HOAs and just like property management companies most aren't worth it. 

This is the most unique real estate investor club, education, networking and mastermind event in the US!

I’m mainly looking to educate myself for the long term.

., the result is that we aren’t challenged when we need to take ownership if the borrower can’t perform.    

.-- Starts picking back up end of February when this tenant pool starts getting their income tax refunds and aren't broke anymore.6) Section 8: where is the property being advertised?

I'm not familiar with these platforms, but it sounds like they aren't mature enough yet to capture the important nuances that Chris mentioned.

Currently the options I'm looking at would all have me keeping employer HSA for ease of payroll deduct but possibly adding other HSAs that aren't for adding contributions, but just for rolling over funds and investing.

I'm a newbie to real estate investing and am currently focused on intensely educating myself about all things real estate and how to get my first rental property deal.

I’m also an active member of the local landlord association in Joliet (JRLA), which has been a great resource for networking and education.

You aren't required to offer a loan mod prior to foreclosure.