They stated their starting price; as I asked for financials they sent me their tax returns I asked if they have anything more specific to each unit and etc.

HOA board members are generally unable to separate the "insult" of having to carry their neighbor financially from pure business decisions.I think your best bet is to work your deal so that the HOA is paid off in full. 

No obligation, no sales pitch.

We look forward to posting several success stories here and helping others in this journey to financial freedom.  

I am looking forward to implementing what I gain here this year and increasing our cashflow while becoming more financially free. 

I've also been getting opinions of speaking to the owner directly to learn more, but I'm not sure how to talk about financials, haggling, or anything else I may need to ask.Thoughts on which route I should take to purchase? 

• Become financially free • Quit job and become full time Real estate investor.TEAMWORK MAKES THE DREAMWORK!!

I am interested in gaining some assets and working towards my financial freedom.

@Ron S. even though CA law says 5 days and full payment needs to be made this can be waved by the bank.. they are not obligated to though as you so correctly point out.basically you need to do these deals outside of escrow you need to know how to do your own quick search and take the title risk.. then you get the seller to sign a grant deed over to you and you go record it.. then you get your funds wired or cashier check couriered to the trustee.that's how we did it.. not enough time to use title company.. that's why its so profitable if done right 98% of your competition simply can't do this  either lack of knowledge or lack of funds or both..

When I helped develop an internal software system for a financial institution we tested all of our loan calculations against TValue and a good ole HP12C.