For the bathroom, I want to put in a walk-in shower in place of the combo unit (I know about the hit to rent-ability), and tile the floor.

I have the ability to borrow up to $48k from my retirement plan.  

-The ability to help my family with financial burdens.

One of the big advantages of investment real estate is the ability to finance a property over 30 years.

It depends on your ability both financially and your skill set as a GC.  

There are call-outs for specific hardship exceptions like inheritance and employment relocation, but approval for these exceptions are also at the discretion of the board.At the time my partner inherited the property, we were mislead by the then HOA Board President into thinking that given the manner in which he came to ownership and the fact that we live out of state, he would be granted the ability to hold the property as a rental into the future.

This is not tie up a house with no ability to buy it and if it doesn't sell no harm, no foul.

Knowledge, skills, and abilities:1.

We have tried several investor friendly title companies, they all said the same thing.I don't know if we can just send them a bill or file a title insurance claim after it's all said and done.  

@Anthony M.I would personally say, I am a contractor and what sets us apart is our ability to always answer our phones and respond.Most contractors do all the work so they don’t answer because they have more work than they can handle by themselves.We don’t do the work ourselves.