And, perhaps I was preventing myself from helping someone else in the future who would need the help (and appreciate it) even more than they did. 

I work in UAE and they provide employment verification letter and payslips. Lender requires employment verification form to show my income increasing each month. I found out at last minute as I’m leaving UAE to come t...

And it's a metric that -- if followed in hot markets like where we work -- would prevent most anyone from buying unless you're doing a rent-by-the-room house hack thing, but that's only so scalable.

Those that bought in a community for the "beauty and well maintained private road", often are the ones that fall short on putting a priority on helping fund the "well maintained private road".Don't know if people just don't understand that private community roads require preventive maintenance, or just don't care so long as someone pays/does...at least no one in the community has put up political signs.People I've met seem to be very for, or very against HOA's. 

To prevent my vehicle from being towed on nights all parking lots are full, I decided to go to a Hotel for the night.

I know I could go as low as 5% but I’m not sure if my current property being an FHA house-hack prevents me from receiving these type of loans.

But now the Industry Guidance requires all persons entering the property to 1) comply with the Posted Rules of Entry as a condition of entry, and 2) agree to the prevention plan.

You want to pay your HOA to prevent any current/future problems.

This is something put in by the federal government to prevent people gathering into shelter homes where the likely hood for spread of virus is high. 

If the lender becomes aware of the forbearance plan, or the loan modification because it was recorded ( i'm assuming you have a recorded partial  claim due because of the FHA loan ) , or if your credit was dinged than that would be another story and could prevent you from getting financing for a period of time.