We have photos of all the damages they left (which we have been fixing ourselves and did not charge for everything) and receipts for the cleaning we paid for before they moved in and after.

Trees banded and others with heavy damage.  

Do you know what your credit score is?

Usually if the tenant doesn't pay utilities they can't get a new account in the same area and it goes on their credit report preventing them from getting service elsewhere. 

The city has given the HOA a deadline to repair the damage and bring the piping system up to code. 6.

We recently were introduced to a 100% Mortgage Package with a Credit Union.

A "professional" tenant can tie you up in court for the best part of a year, especially if you make even a tiny procedural mistake.Chapter 93A (the Consumer Protection Act) also applies to landlords and can award a plaintiff up to 3 X damages.

Top/bottom duplexes are not preferred to side by side because of noise, water damage, access.

Essentially the seller agrees that $X will come out of their check at closing and go to cover your closing costs at closing (debit Seller, credit buyer).

Try a local bank oR credit union first.