Don't worry there are D and E and F as well.https://www.biggerpockets.com/forums/311/topics/227602-difficulty-selling-rental-properties-at-loan-amountGood Luck InvestingVivek

Hey Jason,Yes, the HOA should have insurance, but if they have had other financial difficulties, they may have let their policy lapse.If you think you might want to move forward with this purchase, make HOA documentation a contingency so that you can bail on the contract and receive your EMD back if the HOA does not check out.When you get the documents from the HOA, check to make sure they've been paying for insurance.  

There was difficulty communicating with them when it was time to close. 

The biggest difficulty I always had with the Planning and Zoning staff was just getting them on the phone.

One of the costs that I have had the greatest difficulty controlling is my water bill.

Some people have more difficulty with math/finances than I do (and lord knows some people are a lot better at them than I am!)

Rates in my area have been around 5% or so in the $250K to $1M range.If you focus on square footage, not all square footage is buildable or usable and also some will have higher percentages of wasted common space, making comparing projects more difficult. I

So, I guess I'm asking exactly how difficult is it to get the rezoning granted?

What you are encountering is the market and the difficulty of making money with SFR.

The other difficulty that I have is trusting others to care for my money as much as I do.