However, it’s been in the market for 2 years because it’s so hard to finance from a bank making me nervous to buy it because I might not be able to sell it or will take years to sell.

Bank Loan How did you add value to the deal?

As there is no need for a separate bank account in this househack.

I have all the necessary letters, documents photos etc that show they are responsible for the total cost - responsible for the misdirected water - plus harassment & smoke screens  Lawyers I have asked have either waved it away as easy, or told me 'you can never win against a HOA'   Neither angle has been helpful not explained to me. 

The bank approved financing and we were a go! 

Seeing as you are planning to take a mortgage out, the bank would likely require you to get a full replacement policy which costs even more.

Whether it's working for a mortgage broker, lender, bank, etc...Thank you guys so much!

I had to reach out the PM(by email of course because reaching a live person is IMPOSSIBLE) I was told that apparently the tenant had an issue with their bank and would come in that evening with a money order(which they never did).

Through bank to bank, western union , Money gram transaction.How did you add value to the deal?

The zone valve could be inop and would explain why its cold on both sides of the valve.