I have done this in the past and the tenant seemed to be more responsive to all  my emails when I included the co-signer as well. 

Again thank you for your informative response. 

Not only that, but when you start leveling up in the development and multifamily investment game, you have to present yourself as a responsible fiduciary of money.  

Looking forward to your responses!

Paying down the balances on any cards to below 30% of the total limit makes you look like a more responsible person and a better (lower) loan risk. 

Is it possible to have your address listed as the owner and the property manager's address listed for the purpose of sending correspondence?

Because my lease states they are responsible for any code violations we terminated their lease.

@Mark Adler My CPA is located in NYC but has a lot of experience with real estate investors-and is always very responsive.

Hi @Carol Venolia,Thanks so much for the response and helping to clarify this issue.  

For purposes of discussion here, assume the HOA is well run, the annual operating budget is sound and the account balances for reserves are within the guidelines set forth in the most recent reserve study.