Talk with the lender you are working with because you may need a second on the property to meet the gap of the money down and the purchase price ( you can do a second in this situation).

And I don’t have mortgage so I didn’t buy insurance. 2) hoa, tell me is upstair radiator who cause the leak and I should talk to upstair owner to have him fix that.Upstair owner told me that the leak of their radiator is caused because building pumped too much heat.

I talked w/ my CPA about this exact thing becuase I have a similiar situation with my property. 

I would be talking to other investors in your local investment club or network.

I would suggest you start getting some legal representation and then talk to the previous owner. 

Clearly communicate these penalties to the tenant.Consider a Cure or Quit Notice:If the tenant continues to smoke despite warnings and penalties, you may need to escalate the situation.

I'm a real estate agent myself and I have found, and continue to find, some GREAT deals for myself and my clients on the MLS.I constantly find deals where the property information is are entered incorrectly, the pictures are horrible and the descriptions are worse. 

I think I am going to talk to my uncles first and see what they think.

All this stuff is mumbo jumbo honestly, you need to talk to a specific lawyer that knows your specific interests.

Hey Kim, I’m happy to connect with you and talk about your journey so far.