I already got my first property under contract after only 5 days of calling but as I am looking more into it I think I may have made a few mistakes.

As someone else mentioned I think that Househacking a multi family is your best bet and the recommendation I give to everyone looking to get started or even someone looking to buy their first home.House hack is the easiest barrier to entry becasue your cost for downpayment can be as little as 3.5% FHA or 5% conventional, and you usually get the best rates as a primary residence borrower. 

I never anticipated that the bank where I held an account would be acquired by another institution, leading to the disappearance of my account.I want to buy a house in of those 50 states, but I think I need a credit history.

One way around the 20% down is to buy a house you will live in and rent out the other part (think duplex, triplex, etc).  

Even if you think it will magically be worth $120k after the $20k roof, that just makes it an even worse return on your money.

I don't think it has anything to do with the size of the company but the smaller guy it is just his personality. 

I live far away from this house, thinking about getting a property manager.

I think I pay ~$10 month. 

I think my previous comment got deleted - we work on this!

I read their cc&r and the only thing I found that relates to rentals is a line that reads “Property shall be used for residential purposes only”But I’ve reached out to the hoa and was told “Our HOA regulations say single family home which means No vrbo or short term rentals.”I’m getting confused since I’m fairly certain that single family home doesn’t mean what they think it means.