Although it does reduce the premium slightly for that particular rating factor, it is not optional on the part of the HOA as an intentional cost saving measure.  

It would be of mutual interest particularly when I report this mess to the Attorney General of Arizona.

I'm particularly passionate about wholesaling and/or fix and flips, and commercial properties like RV parks.Outside of real estate, I enjoy watching sports, learning and hanging out with family and friends.Excited to learn and connect with you all!

Any particular successes? 

I’m particularly focused on multifamily units in nicer neighborhoods and up-and-coming areas of town.

If you have any further advice, particularly on assessing due diligence with updated systems and recent price reductions, I would genuinely appreciate it.

Everyone has the right to protect themselves and a gun may be the most effective method, particularly for smaller, weaker people.

I want to add a few additional clarifications after reviewing some of the posts, particularly those by by @John Morgan & @V.G.

Here in Reno, NV with 20% down on new builds the loss is less, especially on these particular ones which have 5.5% interest for investors. 

Particularly power related tools since those are usually discounted for Black Friday.