I also use other investors SDIRA's...which means I have access to an unlimited number...based on the limits of available SDIRA's and their available funds.

You also want to know the limits to non OO units if there are any.

While hard preferred equity holders may have the ability to make some decisions or kick out the developer if they fail to make payments, soft preferred equity holders typically have more limited rights.

Limiting the thermostats (or installing fixed set point thermostats) is another option, but I really don't want to have to worry about the volatility of fuel costs.

With a few limited add-ins/subtractions for additional features like garage/deck...though, added nothing for my solar panels (whatever!). 

Since it's a two-unit property, the loan limit is substantially higher than the $271K that everyone thinks of when they hear "FHA loan".  

Single member LLCs and their subsidiaries would all be reported on your own tax return.Partnerships and more specifically Family Limited Partnerships are my favorite.A side note NEVER EVER hold real estate long term in a corporation. 

Either way, I agree that it's not fair that it comes out of HOA funds but unless you want to sue, your options to force their hand are limited.

Or, does that limit only apply to Fannie/Freddie loans?  

I wouldn't bother with the $250 limit.