I own a unit at a local condominium complex and am having issues with timely response from the HOA. 

Besides being super responsive and motivated, he's our local expert for construction lending.

for one tenant it says that the landlord is responsible for utilities, and for the other tenant it says that the tenant is responsible for utilities.

Would love to hear people’s suggestions or thoughts. everyone’s so amazing in their responses and I really appreciate everyone’s thoughtful feedback!  

Quote from @Patricia Andriolo-Bull: Quote from @Dado Vucak: @Patricia Andriolo-Bull late response here but I've been using HostTools for around 6 months now - I love it! 

I do get nervous with finances and want to be financially responsible.

Maybe no one is an idiot, maybe they are simply being responsive to incentives.

I would also send the insurance company this same letter and tell them they are going to be responsible for the cleaning and repair cost.

Quote from @Dawn Roy: My response is not relevant to this transaction as it appears everything is going to work out with your lender. 

Matt Scott, Incite Venture Capital and his team can be summarized as follows: over priced, non responsive, non professional agreement breaking, chip on their shoulder and otherwise a bad investment.