I purchase my first REI at 19, many people didn't take me seriously but they soon realize I was a force not to be reckoned with and I got the respect I deserved.

@Justin Windham I used to be stationed in Denver at Buckley ANGB while I was in the Air Force 1989-91 I love Denver I have a sister and here family who lives in Loveland. 

I am good with searching for mortgages and municipal liens, but not so good at screening for bankruptcies and judgments.If there was a bankruptcy, how are your determining if this will impact a sale?

If people do graffiti then it gets cleaned up quickly because Milwaukee has a graffiti task force.

I wasn't happy when the mortgage on my principle residence was sold to them because they forced me to raise my flood insurance to the rebuilding cost which was 2 1/2 times what I paid for the property.

HOA fee has no impact on tenant responsibilities or their rent and does not need to be mentioned to them except to follow the HOA rules and regulations as part of your lease.

Most mortgage companies force you into escrow for property taxes.  

Bob needs cash right now, and Mike will give Bob $50,000 for the house and close on Friday so Mike can pay off Guido by Monday.Bob would like to get $100,000, but time forces his hand and he ends up selling to Mike. 

If you're handy, you could even purchase a home that needs repair and force some equity by fixing it up while you live there. 

Do not force a deal because you feel others are competing or it is a game to get this particular house.