My goals with the money will be to retire early, travel (I am a Flight Attendant), pay off my parents mortgage, give back to those in need, save money, and be able to do the things I want to do without the burden of constantly worrying about money. 

I still plan on paying the monthly HOA required payment but I am not intending to pay thousands I had no decision-making power on.

Was my original thought.Fast forward 5 years and now I had $200,000 in equity between market appreciation and principal pay down.

@Zach Knoll I sure hope you didn't pay for one of those syndication mastermind courses that sells you on the belief you can assemble all of the components and educate a bunch of random's on how to empty their IRA account to fund your deals.

I just let it do its thing and don't pay attention to the glitches in communication, or where the money is going.

The more desperate a person is, the more likely they are to pay this fee.

Here is the scenario, the borrower misses a few payments, but resumes paying on time.

You have to remember that book keeping is relatively easy, so it's not just the book keeping your are paying for; you are paying for a business advisor who will help you systematize financial processes, make strategic financial decisions, and take your business to the next level. 

The investment needs to pay for itself, but they are not chasing cash returns because they know they will be buying up an entire portfolio of high risk properties. 

You should focus on paying it off and keep in mind the more equity you gain the more of cash you get to keep.