For instance,  it'll be easier to LO than convince a seller to sell their property for for 60% MKV then wholesale it.

There are instances in which the HOA might need to come up with funds in excess of the money raised by the monthly fees.

Often the lower risk asset in a real estate has higher appreciation and rent growth that outpace higher risk and higher yield assets.So many investors I know who invest in other places for instance might not touch something I invest in.

In this instance it worked in my favor.

For instance if there is a $50,000 budget you may have only drawn $20,000 of that when it comes time to draw a payment and the next month you may have drawn $40,000 of it, etc..Have you asked the lender about changing the wording or are you uncomfortable with them automatically debiting your account in general?

I have had instances where the weatherization was not done properly and incurred damages, usually from pipe elbows that there not blown out and developed cracks from freezing water.I currently have a house that is rented but the owners are not residing there until after March (complicated story).

@Amber K.I am exactly in the same frame of mind when it comes to what seems to be a play on words in many of these instances where it may seem to be legal because EVERYONE does it and it may be taught by some guru and yet seems very cold hearted and in fact, IS ILLEGAL.I'll give an example from the pre-Crisis days that really upset me, but was very common practice.I had joined a Real Estate Club, formerly called Cash Flow NYC, where the members were presenting deals.The way the deals worked was that someone had to be a "Credit Partner" who would be paid $10k to basically put their name on the loan as an owner occupant.

One famous recent story in San Francisco took a year or two, but the HOA convinced the board of supervisors to cancel the sale. 

For instance on a 50 year your payment is $83 a month less but you end up paying $79,277 *more* in interest

I know that's not much, but it's better that loosing that amount each monthI know the BP way is always separate "Cap ex" (for instance) and other variable expenses from profit and as much as I believe in BP, I feel I can use my own mind for some decisions.