In the name of quicker access to real estate information in the hands of local government folks (register of deeds, local assessor, tax collector, county surveyor and map providers, etc.) I've drafted a contact list f...

This is bad practice.

In practice, this means we dump {most} surplus cash flow onto our mortgages and, when we find another property to purchase, we draw those funds back out via the LoC component.

I am sure things are handled very differently over there.You might want the HOA to pay for a consult attorney local to the area and HOA formations and enforcement practices to get a take at the meeting of options to proceed forward.No legal advice

She is such a good and trusted friend that we did no paperwork (I know, its a bad idea in practice but still no problem there, I also figured I can put a mechanics lien on the property should she try to claim its hers).

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@Matt Devincenzo -that sounds like the most practical first step.

- There were some illegal practices going on a few years ago (and probably still are).

Not sure if this is a common practice but I would love to hear any imput.Thanks and I look forward to connecting with others in in the BP community.Brad

Though not formally documented, in practice our hard cutoff has been 2-weeks - where we will charge a half-months rent - but rarely have we ever given more than a week as a concession.