I have electricians, plumbers and heating companies I regularly use and most times it's just a quick phone call to address an issue. 

Also I was told that I need to pay annual fee to our state to keep the HOA (corporate) active.Lender told me that I can buy 2 regular DP3 insurance policies each to cover both interior and exterior of each unit only if HOA document allows each unit to ensure on its own.

If not, you probably don't need to pay for regular treatment and can just make tenants responsible for the few pests that show up.

So I want to owner finance and offer a but low, Fix up the place (wanted to try either using equity to finance that, so would I do a hard money loan and then repay after the refinance or is there a better way to go about this) Rent it out to tenants, Or do a rent to own which ive heard that it is more profitable than regular renting.

If held shorter than a year it is already taxed as regular income.

., housing is under-supplied.

I'd definitely pay her for the supplies and $75 for her time is a nice gesture.

But couldn’t getting a regular loan with PMI to greatly reduce the down payment be just as beneficial and good as an FHA?

Not a bad start.These actions only become 'scummy' if you assume facts not supplied. 

I would love if anyone has recommendations for building materials supply wholesalers.