They're threatening to fine me.

You cannot charge him late fees or fines when they start repaying through your payment schedule.

The tenant lived in the townhouse for about 3.5 years, and while I received 2 complaints due to not picking up after their dog from the HOA that resulted in small fines that they paid, they pretty much always paid their rent on time and I didn’t receive maintenance requests.

Can u elaborate on the problem you are trying to solveWell my first problem is I couldn’t even get the headline right 😂Same bank is totally fine correct.

The US presidential election is just round the corner and everything has to look fine until then.

Question 4) the Property has over 60k in fines however they were because it defaulted. any idea on whether or not I can reopen?

I'm sure prices will be more expensive but aside luckily all of my appliances have been fine and haven't needed any maintenance aside from the A/C.  

Outside that I'd think you should be fine but again, I'd talk through it with your lender. 

This is fine, but they are probably not for me.Eventually I found a realtor or two that met my criteria.

Work backwards from the ARV down and you'll be fine.