However, concerns about inflation and the broader national economic policies continue to influence consumer behavior, with a trend towards more prudent spending and saving habits observed.The economic outlook for Raleigh in 2024 remains positive, with growth expected to continue at a healthy pace.

@Gina Huerta a lot of your question is based around your earning and spending habits!

As a LL we fix things based on safety, habitability and long term "health" of the unit.

Office is under alot of stress due to changing workplace habits.

It doesn't qualify for FHA because it is still not considered habitable.

I don't think there is any harm in continuing to meet with banks in hopes of finding one that says yes, but if your debt to income ratio is too high, are you prepared to do what it takes to lower this to give yourself an opportunity to buy another property? 

I highly recommend Dave Ramsey podcasts helped me so much get my spending habits on track and understand my potential to save money

Unsafe for human habitation can be, if someone stole the only sink in the house, which is an easy fix.

That "someone else" is *YOU* so if owners don't want to see a rise in dues and special assessments, they should be careful not to cause unnecessary harm to their units.  

I have experience with contracts and will be writing a legal agreement between us (Overkill maybe but I want to get in the habit of doing things right early on) so any tips on what needs to be included?