Really appreciate the response!

@Brenda StueberWhen a property goes into bankruptcy, as a tenant you're still responsible for paying rent.

Thanks for the response I used that rule on the flip in question and it changed the numbers by 10,000.

She mumbled something, and that was that.I suspect she expected a different response from me.

@Peter Hightower , you, as the owner, are responsible for the HOA fees. 

Part of the college education is how to get along with people who are different from you, have different values and lifestyles, work under pressure and deadlines, be responsible to show up, do the work, turn it in on time, personal responsibility. 

Great response.

I will use real estate investing as a vehicle to free me from my "9-5 job" in order to spend with my family and live a purposeful life.I am mainly interested in buy-and-holds, but I'll keep my mind open for now as I am just getting started.My fiancé and I may very likely be moving to Germany within the next 1-2 years.

Thanks for responses in advance.

I think it should be her responsibility?