After we closed we got a bill from the water company that should've been paid by the previous owner or at closing. 

The duplex features a 1/1 and a 2/2 with the ability to convert the 2/2 into a 3/2 as well as add an ADU under the house. 11 ft ceilings throughout the house.

The duplex features a 1/1 and a 2/2 with the ability to convert the 2/2 into a 3/2 as well What made you interested in investing in this type of deal?

The rates and terms are never as good as conventional, but you also have the ability to combine certain properties into one loan and save on closing costs.In summary, it’s great that you are thinking ahead and exploring options, but don’t get too bogged down or concerned with limits until you hit them.

-Do you have the ability to pay the rent without subleasing?

I have no idea if our HOA funds pay his lawyer, if he pays himself to plow our road (they refuse to hire anyone to maintain it, he does it just fine himself), there are serious drainage issues that won't be addressed, and a litany of other questions that should be answered before forcing a vote.I have yet to move into my house but it seems all of these sudden changes have to do with the Presidents hatred for one family that owns multiple lots (all new covenants and bylaws are aimed at one family, the president even held a secret zoom meeting with us and another new family to steer our vote the way he would like AND mildly trash talk one specific family).Isn't there a law in Indiana to protect homeowners from being forced to vote on such a major decision without providing adequate resources for us to determine if this is right for the community?

The problem with a short-term rental though is that it's tough to determine/figure out the income producing potential of the subject property.

But I have a really good feeling August 2 will be a very busy day at the magistrate office for the ability to remove all the non-paying tenants during covid, who took advantage. 

Since you only have 10 years left, you need to determine if it will be worth it or not. 

I'm not so sure about WA, but being a high cost coastal state I would wager they're none too friendly.Generally if you google around you can find guides as to what that all means, as well as how to determine if a particular state or market is good for investment.