It would probably help to have recordings and police reports as evidence to present to the HOA.

I showed up, provided evidence that the tenant was not only behind on rent but also in violation of a lease policy to not have any pets in the home without approval.

You can reiterate your intention is NOT to refinance or sell, but that neither of you can predict the future and it would be prudent to build in safest AND market standard terms for your mutual protection.You can site ALL mortgage loans having no-prepayment penalty and many having assumability as evidence to their wisdom.

@Phil JanasacI believe Brie is correct, if the city issued the zoning cert as 2 units and you buy it, you cannot get it changed just by presenting evidence that it used to be 3 units.  

Just because the listing says cash doesn't preclude you from making a different offe;  especially if is you provide evidence that you have the financing in place to close.   

At that very moment, it becomes evident how motivated they are to sell their note.If more people starting asking for help prior to creating the seller financed note, I will gladly report if I'm having difficulties with such.

Rehabbed a house, under contract with a buyer to sell it post-rehab, home inspection just came in and found some evidence of some mold in the house, which I suspect was caused by humidity or maybe was there when I bought it and we missed it somehow.

But it seems fairly evident that the best idea to optimize rate of return (I have yet to crunch numbers on this) is to sell when the market is clearly overvalued and then buy in cheaper neighborhoods when the market is low to capture that appreciation as well as high rents in Oakland in general. 

I haven't found any evidence of this. 

I've seen quite a few with great looking interiors, but evidence of past flooding in the basement, bracing issues, etc.