I prefer to do it over them phone or in person-you can learn so much from tone of voice and body language.

Cost of water and development impact fees force the new construction to have a higher price point.We are still only building about 18,000 (10K SFR and 8K apts) units per year.

Have they ever been sanctioned or issued a cease & desist by any regulatory body or the SEC?  

But your DTI should not be impacted if the lender give your rental income credit.

Even if podunk bank does not require this clause, if Fannie does, it will dramatically impact the ability of any potential buyer to get financing to buy any unit in the whole complex.  

Every inquiry CAN have an impact on your credit score.

The selling of the townhouse will not directly affect their credit score, however the additional $30-$40K will help to pay down some late CC's and unsecured debt to then allow those positive payments to impact their credit score going up.  

@Brent Lesson - Most likely laziness or ignorance.If you send me some addresses, I can pull them up in MLS (comps and prior sales on the same units) and tell you what the HOA fees are.Most condo HOA fees in Tampa are between $250-550, so it can have a HUGE impact on your cash flow and cap rate.

Here I would not pass my lead test if I had painted floors as they are an impact/friction surface. 

Generally speaking, the impact of this tax on your returns is minimal, and you are going to receive a higher cash-on-cash return using leverage, but you certainly want to be aware of the burden of this taxation going in.If you establish a self directed IRA with a custodian (Trust Company), you will need to submit requests for all expense payments - including the mortgage - and pay processing and/or asset based fees depending on the institution.If you establish a checkbook IRA LLC, then you control the checkbook and do not require 3rd party processing.