I'm not too clear on how to include the "3% quarterly distribution target" in the analysis.

I'm not too clear on how to include the "3% quarterly distribution target" in the analysis.

The HOA has to pay for these things, and they do so by collecting monthly or quarterly HOA fees in most cases, which cuts into your cash flow as an investor, or your buying power as an owner occupant. 3.

By accelerating your depreciation schedules, you reduce your taxable income which in turn increases your operating cash flow.Conservation Easements: Property owners can take a charitable deduction for contributions of a qualified real property interest to a qualified organization exclusively for conservation purposesSolar Incentives: Tax deduction for up to 26% of the cost of a solar energy systemESG Farming Incentives: Implementation of environmentally friendly practices.Florida Sales Tax Exemption: New machinery, parts, etc. are exempt from sales tax.Florida Farm Green-Built Incentive: For building sustainable “green” buildings that are environmentally friendly and are considered LEED certified.Employment Retention Farm Credits: For the first time, agriculture is eligible for the ERC if gross receipts dropped 50% in 2020 or 20% in 2021 as compared to the same quarter in the previous year.Farm Fertilization Federal Tax Amortization Program: The IRS position is that fertilizer costs should be amortized based on the percentage of use or benefit each year.What tax credits do you utilize on your ranch or agribusiness?

Here is the worst of it:The top five zip codes with the largest shares of seriously underwater properties in the fourth quarter of 2021 were 04330 in Augusta, ME (68.2 percent of mortgaged homes were seriously underwater); 44108 in Cleveland, OH (43.3 percent); 44112 in Cleveland, OH (39.6 percent); 10570 in Pleasantville, NY (38.6 percent) and 66441 in Junction City, KS (37.1 percent).

Keep looking for duplexes, look in the surrounding areas, and add single family homes to your search that have some sort of separate living quarters. 

Option 1: 10% down, 4.375%, paying 2 points equaling $30K, P+I roughly $7525 + PMI of roughly 785 = $ 8310Option 2 20% down, 3.875%, paying a quarter point equaling $3700, P+I roughly $6301Option 1 would keep a significant amount more in our pockets (more than $125K) and get us very close to picking up another property and the difference in of 2K in cashflow would take nearly 7 years to balance outOption 2 would be over $300K out of pocket but would potentially give us the option of a very quick cash out refi as there is already a significant amount of equity as we went under contract last July and obvious market conditions.

I've recently met someone who was telling me about his fix and flip business and how he does one flip per quarter (4 per year) and based on the numbers that he's shared with me, he should gross around 50-60k per deal and tells me he's able to keep most of it because he's got a really good CPA.So, my question is, how do you screen and know when someone is able to provide you with that value-add service when you're not sure how or what that value-add service could be? 

Financing has nothing to do with taxation.

So with just that, and generally speaking, I would personally sell and put the money into a better investment for long term where you can mitigate some risks and make up your own rules, not be governed by an HOA or management company.Your other HUGE benefit to selling is the fact that you have lived there for the last 2 years which means you qualify for a capital gains tax exemption of $250k ($500k if filing jointly with wife) and would not have to go through the difficult process of a 1031 to avoid taxation on your gain.