After going through appraisal and all the applications process, they rejected the loans, over how HOA consists of too many investors vs homeowners, I then picked another unit in different community, did the same process, then they rejected the another execuse over HOA, It costs me several months times of refi and I requested the refund of appraisal fee and didn't get this refund. 

My Property Manager isn't sure how to handle this, either, so I thought I would ask the community. 

Agreed.....Milwaukee has such a helpful community of investors.

Thank you in advance to the Bigger Pockets Community. 

Welcome to the community Matthew!

If you already have low respect due to a pre-determined mindset, it's hard to approach the community with an even or reasonable keel.

@Bridget HustonWelcome to the community and be ready for a huge amount of information at your finger tips.

Hello BiggerPockets community!

I’m a big fan of the area in the long run, and the SWFL communities have proven their resiliency the past 1.5 years and will continue to do so. 

@Treza Edwards sounds like the terms from a community bank in your area, is that right?