I found this deal on Craigslist and negotiated via phone and email.

@Mindy Jensen - I've also messaged via the suggested link to offer my writing (I've written a book on B&H real estate investing, and contributed to "Real Estate Rewind", bigger pockets first "book".)

But you can go to sleep at night knowing that even if you spend all you net income every month at least you are saving via 401k.

the question is are your 7 investments actual debt instruments recorded against each property.. which if they are they are probably fractionalized interests in each property via multi beneficiary which would give you some standing.. or if your just part of a pool that has 100% of the beneficial interest then like a note fund then you have a much tougher time .. with a fractionlized interest your interest would have to be dealt with to clear the mortgage recorded against it .. unless you gave someone power of attorney to sign for you.

All on autopay via the utility website, transactions downloaded and categorized in Quicken, like all my expenses.

Suggest you ask them to explain their case and specify requirements like application via an eMail first.   

Mail your complaint and documentation via Certified, Return Receipt Requested to the Managing Agent/Account Executive from the management company that the HOA has contracted with.

Since they didn’t tell you immediately (red flag) My advice would be to call them on the phone first and then to relay that information back from your conversation via email for written documentation.

Are you able to pay this contractor via credit card?  

And, try to force all communication to be via text or email so it is documented and she doesn't attempt to accuse you of anything.5.