For example if you have 10 different bank accounts with 6 different loans than it would cost more than a business with 4 bank accounts and no loans.

Credit Partnership -  A person lends his ability to get a loan but doesn't supply any down payment.

I like this idea for it gives me peace of mind but it has a heavy up front cost.

I've recently finished a Master's degree and have no job which means that I have time to dedicate to REI.

The cost of housing has exploded. 

NOW, if there was a recent storm that cause a sudden leak resulting interior damage you may not have much of a leg to stand on because HOA was not neglegent in doing timely repairs, it just happened.Now if you think they should repair but they won't you will have to sue your HOA (yourself also since you are an owner) Once they board and HOA recieve the letter from your attorney, they will likely just settle and fix your wall inside since it will be way more costly to defend and it may raise they HOA insurance next year, thus passing the cost to you via your HOA dues.

Either way there is no need for a new stove, just get it repaired.

No seasoning.

Even if this isn't true, why have there been no publicized efforts to even challenge the law?

No equity in the property, young mortgage at 8.5% owing 155k.