*IF* the conversation comes up (meaning they initiate it), you might read the comment as positive or negative and if negative, you can respond with (depending upon the context) something like "I agree"  "I see your point" and switch subjects.  

I assume in the worst cases, even if the HOA forecloses, they would still take the property subject to the first (me)  Is that correct or is there something lurking out there that I am not aware of?

Not an expert on this subject, but I've never thought of flat roofs as a fire hazard, but more of a leak hazard.

You might want to learn advance creative negotiation methods.I don't care where you go in the US, there are deals to be made if you know how to negotiate them.Maybe some ideas on creative methods will help you find what you are looking for.Try, Hybrid offers, delayed settlement, principal mortgages, vertical break ups, take backs, study periods, subject to public auctions, friendly joint ventures.Control and Roll is a great way to sell properties you don't own and to make fantastic profits.Charles

There is a good book on the subject I would recommend your read.

It is subject to tax when it comes out of the 401(k) plan, so you end up paying tax on money that was already taxed, but as I said, I don't think that that is always unjustified. 

Changing the subject just a bit here, does anybody have an opinion on the Houston REIA?

Hello, I'm new to real estate investing and wanted to get started using the "subject to existing mortgage" strategy to buy and hold (landlording) to build wealth.

Ideally, it is the appraiser's opinion to utilize sales which have the most recent settlement dates, however, due to a paucity of settled sales in the subject's market area, it was necessary for the appraiser to widen the market search to obtain comparables with similar utility, style and effective age.

I am thinking about doing a subject to.