If a painting or Landscaping company causes damage to a homeowner's property, can an HOA claim no responsibility or refuse to get involved and simply leave the home owner to fight the vendor?

Here are the numbers:$455,000 purchase price$5,492 closing cost$56,000 renovation cost$4,000 landscape cost$5,351 various costs including fixtures, appliances, staging furniture, etc. $1,370 taxes$150 total utilities$29,925 commission$5,000 closing costTotal cost $562,288Listing price $630,000Estimated net profit $67,712Here are some before and after pictures:Living roomLiving roomFireplaceFireplaceDenRemoved den, replaced with mud room with tech center.KitchenKitchenRemoved the kitchen and replaced with Master room and 4th bedroom.Makeshift 3rd bedroom (across from kitchen).Removed the 3rd bedroom and converted to dining room.Removed the 3rd bedroom and converted to dining room.This was a family room (back of the house).Moved kitchen to back of house.KitchenBathroom #3Bathroom #3

We build complex analysis applications for businesses so that they can take better and faster decisions by brigning to light their information in a easy to play with model.

I run a landscaping and construction company and am building my rentals as my retirement and they provide me with the cash flow for each of my next property purchases until I get it off of the ground and it self supports.  

Depending on the situation, you may have some devices (receptacles, switches, lights) installed if you need to use them.  

I'm not sure the technical words to do what I want to do but I'm hoping you guys can shed the light (as always).I want to sell some of my rentals through some kind of owner financing or a rent to own type deal.What is the best way to structure this?

Can experienced investors here throw some light on this?

Has anyone had experience with this who can shed more light onto this subject.  

I believe there will be changes in the energy landscape (see Solar panels could destroy US utilities - according to US utilities) in the next few decades.

So anyone if you can, please drill and correct me so I can make this deal happen to be a win win situation for me and anyone interested by the bay area.Vallejo house infoSFR 4 bedrooms and 2 baths1600+ sq ft8700+ lot sq ftBuilt in 1983HVACAttached two car space garageFireplaceHigh Overview Breakdown285k ARV30k to 35K estimated repairs8% Closing Costs on Sale%40% annualized3 months to complete (This is a very light fixer)10% profit for rehab is 23K22k closing costs on sale203K wholesale price includes 5k fee.