It’s great to see you're focusing on wholesaling and Buy and Hold strategies.

It’s in a GREAT area and in the future we do have plans for that, but we have an elder family member living there.

Definitely a great town to plant an Investment flag. 

They have higher financing rates and costs since lenders consider the property's after-repair worth.

Massive interest.

Two great points here as:1.

I own several SFH, duplexes, triplexes, and a quad but I'm in discussion regarding a 13 unit mixed use property that is of interest to me mostly due to location (I own several properties in the area and it's near me and I have a good pulse on the town). 

If you're rating falls short due to communication, your reply can be specifically about that.

Plumbing is a great example - as an ex-plumber I'd take PEX over galvanized any day, and even over copper (at least the newer stuff) especially if you live where the water is somewhat acidic.

My hangup is that even though the HOA is not allocating $85k for the reserved this year, they will have over $200k in reserves (over 20% of the $850k budget) Everything else has been cleared by the underwriter (insurance policy, occupancy rate, ect..) but I am concerned this deal will fall through because of this issue.