Try to find a way to get the payback time frame down and you will have much better luck. 

You should be able to find the locations and the time frames on here and searching google.

and their time frame.

If you run into other cases of an ESA animal please let me know what the outcome was, we are in search of an inexpensive education on this matter.  

I am concerned about the timeframe, although I understand I can re-fi that money.

Those dues have gone from about $110 to $210 over the 30 year time frame and the HOA maintains a healthy balance in case of emergency.

Most HML charge Points for the loan.  6 months is a very shot time frame for the loan. 

They were like $20 from Costco but it's the small things people notice.Also, costco mattresses that come in a box... they're inexpensive and VERY comfy, and they're memory foam which you can advertise in the listing. 

If no one steps forward to redeem the property within the redemption time frame the winning bidder will acquire the property. 

The material is inexpensive but labor is a bit pricey.