It's illegal to lie about investment products in the civilized world down under :-) You know Dean I agree on D class always have always will.. but again to be fair and balanced.. in the early days.the SPRUIKERS from  NZ and AU those guys that lived there and marketed these properties in conjunction with US based companies were some of the worst profiteers I have ever seen.. make no mistake it was both Kiwi and Aussie based companies taking a big wack out of this stuff and the US guys..

They are very difficult to get rid of and spread quickly.

As you demonstrated, with proper education it is not too difficult to deal with these types of folks.

But as it gets more and more difficult to get service people (who know what their doing) older(percieved higher maintenance) buildings are going to be taxed in the market with lower values until the demand for trades people is satisfied

Really old buildings back in the day did not have as many checks and balances to get approval from city or county inspectors even if they had them at all.

"walls-in").If the HOA owns the roof, you would expense the special assessment as the roof is an asset on their books and not your books.Your balance sheet should be only "walls-in". 

My gut tells me you would be better going the Freddie Mac small balance route with a lender like Arbor or Sabal.

For example, myself and my wife could each gift 14,000 to family member and family member's spouse immediately (total $54,000 in 2018), and then remaining balance plus interest due to the family member on 1/2/2019. 

That means probably getting two doctors who agree that the person is incapacitated and getting that for someone who is incarcerated is very difficult I'm sure.

I've saved enough money to pay off the collections but I'm have a hard time finding the balance due.