Thanks, i know im on the right track 

Quote from @Delbert Standifer: @J Kilroy greetings I just spent 200k on my ADU.

Welcome to BP - you've come to the right place for resources on real estate investing!

I advertise on Furnished Finder, Zillow etc. 

If the inexperienced investor knew how much work, effort, time, analysis, negotiation, organization, capital, and knowledge it takes to successfully find, identify, evaluate, and close on a property that fits the criteria that gurus falsely claim they see 100’s of every day, 99% of them would abandon their real estate dreams” and pursue ostrich farms, mink breeding, or setting up a “down line” to sell condensed cleaning products that their “upline” has an exclusive distributorship on for the southwestern quadrant of Bisbee, Arizona.  

@Greg Soon I work in QuickBooks online with only Real Estate Investors. :) 

Did you do a loan mod on this house after you bought it in July 2015 and that's what created the HUD partial claim? 

Since we are out of state, we have to lean on a lot of information from y'all!

A simple search on a service like Propstream will show you what properties have them. 

I am an insurance broker in Colorado and can confirm that most insurance companies are increasing to minimum 8% deductibles on most condos.