some were included with the purchase of the townhouse (dishwasher and stove)  but i added a microwave, washer, dryer, and 2 refrigerators.  

The term "spouse" includes domestic partners.

So how is the normal things included in the Hoa payment like water, sewer, garbage, utilities, etc getting paid or taken care of ?

If the margins were big enough to include the $30k in payments that future Buyer would be making, than you may want to consider.

You can be almost anywhere you please, including at an American Consulate in Mexico after finishing your freaking boat race to Mexico that you didn't bother telling me you were going on when we opened escrow!

Those states seeing an increase include: Delaware: foreclosure starts jumped 113%Arizona: +76%Utah: +63%Connecticut: +50%Oregon: +20%South Carolina: +3%Massachusetts: +3%Virginia: +3%Of the 1,713 counties analyzed with foreclosure starts in July, 36 percent posted year-over-year increases, including Maricopa County (up 43 percent); Prince George’s County, Md.

I have been in the construction business since I was 17 including those college years.  

Don’t forget, some properties need lawn care, or snow removal, or insurance is more than double, or the house is brand new, or it’s 120 years old.

We are brand new and are in the process of gathering all the data to arrive at our maximum total offer allowance.

Other options might include: getting an unsecured personal loan to cover the $20k, persuading a friend or family member to loan me the money, or cobbling together the money from random sources like credit card convenience checks and maybe a Lending Club loan.Problem is, while my credit is good and I have a decent amount of cash to work with, my income is low-ish and comes from four (!)