I have to pay down payment of 6K for my roof replacement for my first house.

Remodeling is kind of my hobby and I only hired out certain repairs such as the roof/siding/driveway.

This had to be approved by the HOA because it "altered the roofing." 

Tuck pointing, flat roofs and elevators are not cheap.

Location: Mid-SouthClass: CUnits: 20 Office units; 200-400 sqft Building Interior Space: 6,600 sqftTenant Mix: Consultants, Counselors, CPAs, Lawyer, RE AgentOccupancy: 85%Characteristics: Slab, Metal siding, concrete parking lot, 2 floors, 3/4 renovatedCapEx: Roof 3 years, 2/4 HVACs replaced, no major upfront fixes based on inspection reportCity Population: 16k County Population: 86k; average 0.93% annual growth over the last 10 yearsCounty Unemployment Rate: 2.3%Job Growth: Not able to find current Data, can’t verify how Covid affected.

I hope someone can help with what kind of big expenses  are in the multi family properties i need to know when looking for properties(can only think of roof, deck, insulation , heating system )Also, Not sure if I jump ahead but I am trying to sort out all the related expense for rental property below with my conservative estimate per yearProperty management fee (10%)insurance :2500property taxes: 2000 -3500Owner paid utilities : 2500( in case of paying oil burning heating system , if tenant pay their own electric heat so i guess i can eliminate this expense)snow/lawn: 1200Accounting cost: 100Vacancy reserve (5%)Maintenance reserve (10%)Can anyone give the idea if i include these expenses correctly ?

Needs new everything roof, electrical is litterall glass fuse, and some foundation work.

You need a new roof to start. 

Typically there is an HOA when you have common walls and roofs - what does your HOA say/do about this? 

It almost always results in a bill that is jacked through the roof and I no longer allow it.