. - Are you able to force appreciation - you touch on this with the permitting to add more bedrooms. how much value can you add?

If the zone is B, C or X, your lender should not make Flood Insurance a requirement (that doesn't mean you don't need it but you wont be forced to get it).

Instructions for notifying the escrow department of changes are usually on your bill or your online account, and you should have that information ready to give to any new insurance company, then double-check to make sure it's been received by the mortgage company or they'll force-place expensive insurance on you and it takes months to get it straightened out, even if you're already covered by someone else.    

The twin forces of special/higher taxes for landlords, combined with the frequent discussion of rent control, make this a challenging place to do business.These issues already caused Central Falls to declare bankruptcy and now word is that Warwick is in pretty bad shape.

As long as you talk about your System of Beliefs, quote Edison and promise McRibs everyone will be forced to recognize your high level of intelligence. 

Given that you're open to doing some updates this could be a way for you to be to force some equity into the home, house hack with your first property, as well as getting the opportunity to walk about with tax free gains. 

I wouldn't worry about them forcing you to tare down.

I would combine this with calling adult protective services to in force your position.

There are some scams about HOAs that are not active having some folks try to force folks to pay dues. 

Purchase price: $135,000 Cash invested: $50,000 Sale price: $293,000 Living flip working full time job-full kitchen remodel-replaced all plumbing-new duct work with insulation-relocate and redesign fireplace-full 1st bath remodel-add 2nd full luxury bath (double shower, bidet, radiant heat)-convert sun room to 4th bedroom with radiant heat flooring-replaced all windows-upscale woodwork inside-repaint whole house inside and outside First 4 years forced equity and another 4 years market bring us another surprise with icing on the cake (market going up) Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?