Also, full disclosure - I have utilized creative financing & transaction structures (installment sale transactions, had the seller take back 2nd position notes, baked brokerage fees into the agrement of sale  in off market transactions to name a few), so I am not opposed to it, but they were utilized in very unique and circumstantial land entitlement transactions. 

Hey @Enos VazquezI'm originally from San Francisco, CA and started investing in 2021.

Once they sold enough units and got under 20% rentals, banks started lending and property values jumped.HOA fees always go up and you may have special assessments hitting you out of the blue, particularly in an HOA that's been mismanaged.HOAs have retired people with nothing better to do than spy on neighbors and report them.

I charge them a demand fee, like an option. 

The appropriate next step would be to update your website to reflect the percentages owned and whether those are as a LP or GP and were they from a capital investment or the "fees" you received for bundling/referring third party investors into those deals. 

Its an inconvenience to make your tenants "not only" have to pay a monthly fee for a P.O.Box, but run into so many issues not having this will cause your tenants.

Your new 30 year will #1 ) be for less than your original mortgage so payment will be less in amortized monthly payment #2) your payment will be redistributed to 30 years over which - again - lessens your payment.9. 

If I could do that, I might get the property for what I'd originally intended, plus the owners would get some badly needed money instead of a big fat NOTHING by losing it in the auction.  

Then we notify #1 that we have a 2nd buyer with no contingency and they have X amount of time, whatever was originally negotiated to remove it and pay additional earnest money. 

Refinancing the ARM if rates drop is a strategy, but it comes with fees and isn't always guaranteed.