Has anyone had a different experience with HOAs or has any solution to getting around this?

If those are possible I think it is a viable solution.

The smell of mildew is strong.I know the repairs part...but the mildew smell and such will be a new challenge.Besides replacing the damaged areas, I was recommended to shellac the entire floors and spray a mildew solution everywhere.

You can leave your vendors off but starting with the issues/solutions you have gathered would be quite valuable 

At that point, it's worth researching and finding a solution that better meets your needs.

Historical data shows housing prices have averaged 4.84% growth during election years since 1987, but the specific policies of each candidate could significantly influence future market dynamics.Vice President Harris will likely focus on supply-side solutions, representing a continuation of Biden administration policies, emphasizes affordable housing expansion through several key initiatives:1.

Looks like there are some solutions out there. https://www.flows.com/residential-water-meters-sub-meters/

A few solutions I can think of: Refi loansIncrease rentsCheaper insuranceEliminate managementFight taxesPay mortgageAny thoughts? 

.- **Custom Solutions**: If you want a fully custom design with added features, working with a developer or agency could cost anywhere from $500 to several thousand, depending on complexity.Best Practices1.

Explain our situation and see if they have a solution or if they just make lofty promises without a clear plan of action.