I would think if you pay HOA dues you have a right to review the records.Maybe everything is on the up and up.Maybe the HOA is run by Fat Tony, Don't ever ask me about my business

Try that in a c or d class neighborhood too long and you’d find you own a burned out crack house with two foot of water in the basement

- Jamie Burns

I do not have $390 at one time,  but have the burning desire to want to be a member to start my life in a new direction.

@Ty Burns can you touch up on why they would pay more for seller finance?

And I'm burned out on rehab right now.

If you found a real estate related job ie. contractor, property manager, agent, mortgage broker, etc. it will benefit you dramatically in your future investing career.If you go right into wholesaling without another source of income, it increases the possibility of burning out.

So, instead of going 200% and burning out, what should I focus on most? 

That is the amount of coverage you need if the property burns down or is hit by another type of natural disaster and needs to be repaired back to market value.The value is based on the type of construction like brick versus wood framed.Saving yourself a few dollars will hurt when there's a big issue.

I might be wrong here and this could be a self limiting belief, and you might be able to burn/skip this step, but it requires a different mindset, different approach and experience, and higher risk.