However we all no that nothing is guaranteed- any ideas on how I could pay off the HML asap?

Almost guarantee there is mold and other rotted wood from multiple holes in the roof.

I expected that I would be able to drop a small fortune for this program where I could pretty much have a completely automated system with a guarantee of success....I never thought it would be so hard. 

These things are by no way a guarantee of my safety, but it made me feel more comfortable.

Be sure your leases and guarantees are iron clad.

You can almost guarantee your contract sold in these markets, as long as the price is right.

I believe there on month to month lease but I need to double check before I guarantee that.

What are my guarantees?

So you might pay a little more to do it this way, but it could be a good way to go if you want to guarantee that you will not be stuck with the headache of a potentially underwater starter home in Dover when you decide to move on. 

There's no guarantee that you wouldn't get a fine if DOB gathers that the unit is actually occupied as an apartment, but it does happen that people who attempt to legalize existing illegal conditions before they are discovered by the city avoid a fine.