Monthly he pays $260 for car payment, $50 for health insurance, $125 for phone, $75 for student loans. 

Is this a common occurrence in the junior lien market and just a part of the due dil process?

This is a common practise on platforms such as FCI Exchange and Watermark.

Mostly, these buildings are well maintained and many investors see this as a “value-add” investment opportunity because through renovation and common area improvements, the property can be upgraded to Class A or a Class B+.

The dues cover such community expenses as snow removal, landscaping, and expenses for maintenance of common areas.

But often it is worth the effort to find somebody with the authority (and common sense) to make an exception.

My long-time tax preparer's health has taken a turn for the worse.

It was common in the 2000s for builders to refuse to sell to investors. 

This veteran (my longtime beau & I are living with currently) is a Retired Marine going thru major health battles, who has mobility issues & can't really do any major or minor chores or heavy lifting.

My goals are to open residential health care facilities in California.