there are other lending programs that would not require this but if you are wanting the best programs agency debt then @Janelle Groenhout has the right idea

Not going to say that I am totally opposed to the cards/letters going out, but I'm not relying on them for leads - they are just another way to drive traffic to the site, where I can capture their pixel and retarget like mad. 

I have zero debt of any kind.

The bank that gave us this commercial loan looks at the debt-service cover ratio (DSCR) and didn't care that the down payment was a gift from a family member.

Does the negative balance indicate that there is a unpaid taxes debt to the county (meaning, if I see debt in the county account it should be referring to the same debt)?

Or, they are not telling you about the other predictions that did not work out as planned.If you are really worried about a market, use less debt.

As of right now we are heavily focused on being debt free so we are limited with cash.

As the HOA can require their policies be incorporated into Leases, which the Renter signs, and the Renter and owner could co-sign the pool access agreement to get the access card, this logic seems a little light.Anyone have experience with this restriction and have any ideas of ways the HOA can allow renters access while still acting to mitigate the financial/liability risk of allowing renters' guests and reservations that is somehow different from an owners' risk?

The only debt I have is my car loan. 

So when she declined the coverage it charged her card $3000 for the full refundable deposit.Well, she hated that more so I called tech support and they said it was either/or.