He said i could pay rent per month for a year and fix the house up while i live there and some of the rent and work i did would be credited towards purchade at end of year.

My 30 year fixed rate was 3.2% due to my high credit score and other factors.

I'd write the HOA and ask if they'll at least split the bill with you considering the circumstances and the fact that the repair that would be their responsibility is actually fixed. 

I am currently focusing on fix and flips and 2-4 unit multi unit.

I'll probably just send someone out to fix it and deduct from the deposit. 

You could fix up just one side and live in it.

It was actually a distressed property I bought, then fixed, then sold. 

For single family 30 year fixed it’d be around 5.5.

Heres my question....Is it worth it to get a personal loan/HELOC other type of small loan to fix up the other units and get them to the same level as the unit I am currently fixing up more quickly?

I am extremely lucky that I obtained a fixed preffered rate credit card with a fixed rate of 5.7%.