For the HOA boards that I am on, all communication related to a payment plan would have come through the management company as drafted and handled by their attorney on behalf of the HOA.A payment plan that was discussed in writing (email), drafted and signed by you (thus agreed to), and then has been acted upon as agreed by all parties for 7 months (they accepted the payments) - IMHO is effectively "executed".

I am in the process of purchasing a plot of land. 

@Matthew Wilson A BK has no real effect on the lender....as far as foreclosing or doing a short sale...the bank still has the mtg and can foreclose at any time, unless it was a chapter 13 with an approved plan. 

Just be little careful, because your change in cash flow may have no effect on your taxes.

@Lionel Mosby Jr this is so simple yet I can see how it can be effective

I do plan on getting a backup generator but there’s a one year backlog ughPlumber is pushing for me to switch to a new propane heater to heat both units.My concern is running out of propane and having the pipes freezing...Someone suggested to me that electric baseboard heaters are a good choice and cost effective.

@Joe Homs According to an article I read, "Effective January 1, 2020, landlords may not request a security deposit of more than one month’s rent for an unfurnished unit, and two month’s rent for a furnished unit."

A shortage of employees can produce a variety of negative effects, hindering the ability to grow and expand, or even to meet existing staffing needs.

Lower sales volume in April 2020 was one of the pandemic’s first effects on the Austin market.

I believe the numbers say the most effective method is to pay off the highest interest first (same theory as a credit card).