The repair bill was about $225 which I forwarded to the management company and said I will deduct it off my rent.

I am aware that if the property gets sold at higher amount than the upset price, the surplus amount is used to pay off any junior liens and the left over goes to the owner.Will the surplus amount be used to pay off property tax liens and HOA liens? 

Sometimes better to head off trouble at the pass.....

If one of your tenants gets bit by a dog, falls off a ladder, etc. and they have a bunch of medical bills they can't afford, they almost have no choice but to sue whoever they can to get the money. 

I’ve done it before with other lenders and don’t mind the “extra work”.Are there any known lenders out there who have a similar rate for condos currently and can work off of P&Ls and leases?

Consider off-market properties through direct mail campaigns, driving for dollars, and working with wholesalers.

But if you're willing to get off the beaten path and turn over a lot of rocks, you will be successful.If I can be of any help, please reach out.Scott 

I have spent a lot of education and it has paid off many times over. 

(My plan is to consolidate that debt and pay off loc within 18 months, then potentially use it as down payment on another building)I’m feeling a little stuck and looking for some advice.

Deal #1 - off market property with studio ADU (kitchenette has a sink only, no fridge or oven).