The threshold for owing an actual monetary amount is a few million dollars. its more the hassle of filing an annual online report.Many of my clients are out of state investing in TX, both with and without an LLC.

So actually the reverse of your mindset; we negotiate upward. 

This tells me that the HOA did not actually remedy the cause of the problem.

As far as I know in ny state you have to actually form a new entity to file as an Scorpio?

Open a new application with an actual lender that isn't going to charge 12k in origination fees. 4.5% origination on this deal is insane, the broker / lender are ripping you.If you take this to another lender as is (not great credit, no experience, light rehab amount) you would likely get denied again. 

I have around $15,000 in the bank which could afford a 3.5% down-payment, but closing costs and the first few months rent could be a stretch as my job hasn't started yet (The home would still be under construction so its possible I could achieve W2 income before actually paying a mortgage?).

Give them a day one which it is going to be done and tell them the floor needs to be clean and all the furniture removed from it-plus they can't walk on it for a set period of time until the floor is dry-probably a day or two.I'd also make sure you increase their rent because my guess is when it comes to replacing the floor AFTER they move out, you aren't going to recoup what you expect from them. 

Nothing like having someone that doesn't just talk to talk but actually walks the walk. 😉 

It's actually the same guy that does u urban cafe in sta monica mentioned above. 

Hey there @Martin Kim - I am actually in Chicago, but work with several out-of-state investors on the general contracting side of real estate.If you are targeting northwest Indiana you should connect with @Eudith Vacio, she knows that area like the back of her hand and would be a great fit to help you out on the real estate agent side.