My current 90 home project has split  zoning  half the lots are zone one thing the other half another but I do know what is what.

//End extra detailsI say all that to illustrate how much he seems to thrive on conflict. 

(I’m ignoring any extra cap-x because you said it was a condo, but you’d also add any major cap-x to cost basis).

If you can tolerate it, go for the extra roommate.

Another odd thing was the same buyer added a second option of a cash purchase that was close to half the asking price.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

Shouldn't be any extra taxes involved.

Finally, of the extra $200k, how much are you putting into operating reserves? 

For example, this can be adding square footage, adding an extra unit, or adding a pool in a STR market/luxury market.  

In a perfect situation, the payment will still be delayed (even if by hours) using this additional system.And secondly, many of these vendors have "clawback" provisions where, in their terms of service, you give them permission to go back into your account - even weeks after the fact - and reverse a deposit that was made by your tenant.My system is simple, allows for tenants to pay through multiple means, and does not cost me anything extra.