I was under the impression 20% down is the normal rate.

Schedule-K federally and the normal Wyoming filing fee of $50/$52 dollars up to $250k assets + a percentage of $50 every $250k past that?

I have normally gone with the credit union's title partner but curious is it worth shopping.

Those big blue city refugees bid war fighting each other for houses are going for that perfect picket fence suburban lifestyle, flush with the cash they got selling their big blue city townhome or condo. 

This particular HOA seems very high so I’d normally say don’t do it.

Then at completion and final inspection, it’s rolled into another loan on normal payments.

Currently shooting for around the 500k mark as that’s affordable and lands me close to downtown for my preferred lifestyle, if it’s my own condo that I buy first.What would you recommend, buy your own home first or buy a rental (an investment property?)

you also said their pro forma's are bogus so what do you normally do about that?  

@Nate Lee In a normal real estate market or even a buyer's market, FHA loans (203b & 203k) are very commonly accepted. 

Your next door will probably need more of a cash savings built up but it should be within reach in about a year depending on your lifestyle.