My guess is there is a reason that banks are turning you down, and that's why you are unable to access bank-like rates and origination fees.

What exactly is going on here, why aren't they all accessible?

Some counties  re-access every year and some don't so there could be a chance to reduce. 

A lot of good advice from the folks above.As with everyone else I am in agreement the Reserve Funds, Special Assessments, and mismanagement of association funds is the biggest financial risks.Next is the additional fees, app fees, move in/out fees, access card fees, background check fees, pet fees. 

HPHow do I get access to Bank owned properties to determine the ARV analysis.

i show properties becuase in my contract it says BUYER has access to property to show potential assignees and/or their agents." consult with attorney on this i'm not an attorney. i just invest in real estate. i would say its not convoluted if someone knows what they are tlaking about. a half way decent attorney should be able to explain it. or you can call the state deptartment that licenses real estate brokers and ask them. 

In order to make sure you are running accurate numbers you want to verify what financing you will have access to

At the end of the day, it will reduce the total charges being accessed to him ... but it will still not show a refund.

., I wouldn't think it would be too difficult to get access for inspection as it would serve the tenant as well but you should definitely do it.  

Or I can send you to a YouTube videos were i learned hiw to access and utilize probate.