Also most HOA and uppity types like that have no problem with 30 or more stays) so the maintenance is all in house and the other stuff has to be handled by someone else. my goal is to be 90% hands off so I can be in the caribbean with my sister on a cruise and not have to worry.

@Jeremy Clendenin I would check and make sure there no outstanding liens on the property if there’s an HOA You’ll want to know that number or fee and if the HOA has a lien against the condo, Who knows maybe the previous owner didn’t like the HOA so he never paid his dues ?

Can the buyer of the condo purchase their own flood insurance policy in lieu of the HOA maintaining coverage?

I hate HOA associations..haha, but I have owned in them and honestly, its a thankless job on the board but it is the only way to have a  say in the property.

I personally hate condos as the HOA fees are ridiculous and eat profit for breakfast

Current loan: I have $352400-ish remaining. at 3.375% interest. plus monthly HOA of $357.Misc Financials: I have about $11k between a Roth and traditional TSP (thrift savings plan for the military types - IRA/401k type product) willing to withdraw from. 

e.g. what if the you don't get approval from the HOA first, the HOA prohibits addition of rooms, etc? 

I had just been swayed away by the typical reply of HOA fees make it hard to cash flow.

I communicated with HOA manager to solve the issue permanently by replacing wooden fence with iron but unfortunately they didn't.

I understand there alot of "shoulds" in the post but:.....It is my understanding that the only liens that survives first mortgage foreclosure are HOA, prop. taxes, utility bills, irs liens which has a redemption period as only recourse, and liens recorded before first mortgage, which unless bank and title company really messed up shouldn't exist.