Depends, HOA fee's are variable when it comes to effecting income.

They said they would only do the standard 50% up to 50k, even though I was directly effected by COVID (I coach boxing and muay thai, gyms were the first places shutdown here in WA).

In terms of Covid effecting the market, that depends on the location of the property. 

Will aim to sell property lease-to-own within 2-3 years (Faster the better).I want to create a snowball effect of lease-to-own single family homes using that strategy and bring in other investors to work with me.

Effectively, we'd have a mortgage for $265,000 - 280,000, which would cost us around $180 - 200/mo more in mortgage + interest.

I have a few new construction clients right now who are flabbergasted by the quotes they're getting back.When I did build new, I did a ranch style with a walk out basement as it was the most cost effective way for us.I love raised ranches for converting into duplexes.  

That way when you go to refinance the property, your score is not effected by the outstanding balance on the card in the other person's name.  

It is very effective at paying for benefits like retirement funds if you want to go that way.  

If I don't know you, if you send an eMail/text it gets ignored.A phone can be a brutally effective way to cover a lot of ground,Is there something about cold-calling that you don't like?

I don't really have a recommendation for the brand, just go for something that is cost-effective and appropriate for the neighborhood.