Look at your docs, your WRITTEN communications, the dates and deadlines, etc. and yeah - have an HOA attorney write a letter and send it certified to each board member and the management company. 

It’s a 1950s Florida block style home.  

He knew about business, legal issues, tax issues, marketing, sales, promotion, networking, and most importantly he knew about people (psychology).The first thing he did was tell me that I have two ears and one mouth, and I should listen more than I talk.Second thing he did was have me read "How to Win Friends and Influence People" by Dale Carnegie.Then he taught me how to set appointments was home sellers, go out to their home, and write up a letter of intent to purchase or lease.He said to me, "your job is to bring me potential home sellers will consider a creative offer."

Since Wilmington is such a small city, you can find great properties on one block while the next block over is boarded up.

I'm going to write a letter to the board and ask them to waive the late charges and interest......

Not sure what the interpretation will be for people who had already submitted their letters. 

It's not about the cheapest but what you get for what you pay and all insurers and policies are not created equal.If insurance won't work many landlords are responding to letters from tenants requesting rent abatement to first apply for the PPP and other SBA loans as they might cover some of the rents.

Of course then there's the issue of it getting blocked in and not getting emptied, etc.

Unless you are a cash buyer, the mortgage pre-approval letter is your Proof of Funds.Multi-families are relatively rare in our neck of the woods in Northwest Jersey. 

But this can overvalue the home and block the conventional loan; seller assists of this kind need to conform to seller concession or contribution guidelines set by lenders; the down payment assistance industry is facing legal challenges by the US Department of Housing and Urban Development (HUD); the industry expects fine tuning of these programs will result.