But in the example above, having two different folks loan me $20k and then repay them $40k ($20k principle + $20k ‘interest’) feels a bit like usury at best and pay-day-loan shark at worst.  

Do you need to dig into the HOA's finances and find out how much went into insurance, how much went into utilities, repairs, maintenance, improvements, then spread that across the number of owners in order to figure out how much of your $300 per month went where, and roll each items back into their respective "slots" to see if they can be counted towards the three safe harbors? 

By doing this, you will open up 1-2 slots available for Fannie Mae purchases going forward.

(Went to F.I.T.) good times.Almost got my *** bitten off by  a shark surfing... but good times.

Drawers are not much harder, though you may need a router to route the slot back in to the bottom piece of wood.

I'm pretty sure this show has jumped the shark.

Another developer I worked with, Mikkel Garcia, is maintaining it at http://github.com/mikkel/razor if anyone is interested.Originally posted by "Jon Holdman":...I'm also a software engineer, though more recently its been more and more hardware.

When a homeowner is faced with losing their home - they are not in the mood to talk to any of the numerous sharks circling around them waiting to take their home away.

Sea lions, Giant turtles, amazing birds, sea turtles, sharks, land and sea iguanas (thousands of the latter), PENQUINS, etc.

If savings is sizable and attractive for your business, then contact a Shark Meter rep and have them connect you with a consultant that can install their meters to measure the amount of electricity your tenant consumes.