Also want to confirm that they are a direct lender 

Breaking these three down on the direct impact they have had on multifamily pricing: rising interest rates impact your cost of capital, and taxes and insurance impact your net operating income (NOI) which has a multiple effect on evaluations when using the NOI approach for assessing value.Value, while a simple definition, is a complex concept.

So I think your question applies to properties with or without an HOA, rather than it being a "townhome".

But a lot of these issues could have been avoided if I just had more experience.All, this to say, I want to continue investing in Real Estate but the pace I wish to do that cannot be directly proportional to the experience I gain.

So get your 401k and HSA and other self directed accounts ready.

All renters 18 years and older will have to apply.

So, for example, if you’ve managed to secure possession of a self directed IRA or Solo 401k, with a large amount of capital in it (through Roth gains perhaps), you can purchase your real property, notes etc. through a series LLC owned by the retirement account.  

And any good agent can direct you to apps and other systems to prepare for managing the property.Good luck!

Only 1 of us would apply for the mortgage (or heloc). 

I didn't list my own properties for sale, due to possible liability and not wanting buyers to have my contact info (I sold a few of my own flips directly in past and had buyers calling me over a year later about things).As for advanced knowledge, that will not come from being an agent.