Meaning we don't compete against each other directly, so there is no real market force that would make them act differently due to some competition environment. 

Then you can take action in a specific direction. 

I have done some direct mail, but it seems to be pretty ineffective to me, it is much easier building clients organically by networking with people in your real life, joining meet up groups, and just talking to everyone about what you are doing.

@James SyedI worked with the VP & Branch Manager of the Rock Hill location, and he directed me to the right people after that.

In this market, however, there’s not a lot out there so some people are using direct to seller marketing and are finding success that way.

I know I'm not directly answering the question, but I hope I've giving you more to consider.

In commercial I stay busy with direct clients.

The biggest factor is not directly related to the HOA but other market factors.  

Use with caution.Self-managedIRA/401(k): Being that you've got a side business, your best option would be a Cehckbook401(k)- use it (a) to invest directly in real estate as a plan investment or (b) from which you could get a loan, as above.For helpful info:PrivateLendingIRA401(k)RealEstatePersons that are and aren't "disqualified"

Or did you pay it directly to the wholesaler?