Plus it may net out cheaper than any other option giving you more flexibility while getting an investment off of the ground. 

I used the Facebook seller lead program and it brought quite a few leads in, but they weren't very qualified.Ultimately, I cancelled the program and because of my development experience, I was able to reproduce the exact same service using my own code without paying for someone else for the service.This buys me the flexibility to tweak the funnel on a more granular level to refine the quality.For me, it was worth it but I ultimately stopped paying for it.

I would simply send a professional letter to them that you are in compliance according to Section X, Paragraph Y of the HOA manual and state that you have already been flexible and spent over $100 to make them happy.

Then, depending on how flexible they are, I'll be paying at least $20 or more per month just to pay the BACK balance.

Plenty of households making over $50k a year choose to rent because they prefer the flexibility of renting. 

You would need an exceptionally good deal and a very flexible lender to pull that off.  

Interest - I would start at the IRS minimum for medium term loans, I would be most flexible on this one since it is a deductible expense4.

And they will do 80% LTV and I suspect as our relationship grows they may do more and be more flexible with me as you mentioned your bank is with you.Thank you for your reply, its good to hear from some else that has a similar sounding strategy.   

Investors usually don't like to use the large national plants as they are not as flexible.

be flexible, look at the alternatives, negotiate with the investor.