If the price you pay for the HOA's equity plus the existing secured debts is attractive, go ahead and buy, but don't think for one minute that you're going to pull a fast one over the lender.Oh, and be careful about equity skimming jaws should the existing loan be Federally insured.

I wouldn't worry about how much every single widget should cost ahead of time.

No, I haven't been thrown into the REI world yet and don't know the realities of it all, but one thing I can surely say is that nobody gets ahead without helping others first!

If you think you have the gift, stomach and the parks ok, counter to the advice here I suggest you go ahead with your venture.  

You can't do what everyone else does and expect to get ahead.

Look who you click the most with and send her/him the Loan Estimate so they can meet and beat it.

The average person searching for a job now has a huge variety of jobs to choose from and can apply for multiple jobs with the click of a button.

Just a heads up as this extra 5% down payment was not a very fun surprise.

You can't buy it without money so having that arranged ahead of time will place you in a better and stronger negotiating position.

I've searched and so far only found residential and click bait sites.