The demand for affordable, shared housing is strong here, so filling vacancies shouldn’t be a major concern.

That's great that the bank who currently holds the note wants you on 20 year or 15 year amortization, they view you as a captive customer, they don't have to earn your business any more, as far as they are concerned. 

Now that the 90 day deadline has expired and we haven’t received certified equity nor an update informing note holders of their status, concern is definitely growing. 

I'm strictly concerned with ROI and how it looks to potential buyers.

They remain available to assist investors throughout the investment lifecycle, whether it involves refinancing options, addressing financial concerns, or facilitating future funding needs.

I am 100% against prenuptial agreements.If someone is concerned about losing their investments, they should be careful who they marry.

If you’re still concerned, you could consider installing programmable thermostats or low-flow fixtures to help control costs without relying entirely on tenant behavior. 

Quote from @Eli Ling: thank you, what do you think of this email:I understand your concern about the ceiling leak and your assumption that it might be coming from my apartment.Since we both want to resolve this issue, I suggest contacting the HOA to involve a neutral third party who can determine the actual source of the leak.

most bankers are standoffish ;-)yes, the HML/PML will be higher cost, but my concern for you is the banker knows he can't do your deal, but will string you along for a while, ask for additional information that takes you time (and maybe cost) to put together and he ends up either ghosting you or taking 6 months to tell you no.I could be wrong and you may be dealing with a "unicorn" banker, but I believe a HML/PML that knows construction in your market will be easier to work with, actually close your deal, and end up "saving" you money in the long-term...just my 3 cents - even inflation has increased this!

What sort of issues are we concerned about?