If you can dig up proof of payoff the title company might be willing to move ahead without the reconveyance.

It may be that the HOA is broke and that the only way to dig out of that hole is special assessments.

Just dig in, ask questions, answer questions, and have fun!

You're clearly digging and working a ton, and you deserve A LOT of credit for keeping at it when a lot of others would have quit!

I can't recall the requirements for being able to count the space, but you can probably dig it up on google or contact a local appraiser for a quick explanation.As far as the basement bathroom goes, it sounds like you've got a ways to go for it to be an actual bathroom.

If you are looking at the number from a buyer's perspective, then you have to do more digging. 

I will have to dig into it a bit deeper to make sure on that one... 

Now that I have a bit of my life back I want to dig further into learning real estate investing.

Some appraisers will dig more for comps than others too.Refis are tougher to do too, there is no contract to set the range at, so if appraiser one began 10 or 15% lower, his could have easily come in 20% lower.

I find that before no time at all, I end up with numerous web browser tabs open--sometimes telling myself-- "oh, I need to come back to this and really dig into this info... but at the moment, I'm following other info down numerous rabbit holes."