How much of a loan will be dependent on the income, debt and other factors.

@Diamonte ZarbaWelcome to BiggerPockets When figuring out MAO  I use the following numbers ARV x70%, - repairs -holding cost (10% of ARV), desired profit (20% of ARV) , cushion or oops factor (7% of ARV) = Maximum Allowed Offer Hope this helps Steve

So, you determine "Goldilocks" market rents, discount it by whatever stable vacancy factor (say 15%), subtract your expenses (any specific $$$/unit or range?)

Hi Shelly, Equity is somewhat subjective, because there are so many factors to take into consideration.

There is some type of restriction on the number of members and often they must be family members or other limiting factors enclosed. 

I also put in a number for property management...you may plan to manage it now, but for me if it does not CF when you factor in prop mngmt I stay away.

At the end of the day, the numbers are a factor most certainly...but I've walked from pretty numbers that my gut said were going to be ugly, and I've also grabbed properties that for most would have been a no go because I was content with the appreciation and depreciation while I waited for the cash flow to get juiced up a bit...so it really depends on your goals. 

Looked in to tax liens awhile ago after reading the 16 percent solution but did not find anything quality to invest in as they were unbuildable lots and I found 16 percent was not factoring in lawyer fees which was at times more than the actual interest collected.

Then what factors can i do to add the value to my condos unit without the HOA help?

The type of property and type of deal will be the two biggest factors in the type of financing you can get and where to get it.