I’ve been reading these forums for the past year and occasionally listening to the BP podcasts and scratching my head.

He offers a lot of good advice and occasionally offers some bad advice.

But I see HOA as a $50/month bill and occasional thorn in my side, and I'm not even sure a rental cost or decision would be based on HOA.

Finding investment properties with conventional high LTV residential loans (At least 75% LTV, preferably 80% LTV) with initial cash flow in my market is very challenging, but occasionally possible. 

I occasionally had to light pilot lights or he had to clean out the tanks, but it was really minimal maintenance.

I'll eventually invest in the county.OTC can uncover an occasional gem.

I’ve got 2 STRs where my partner does the day to day management while I’m boots on the ground to find deals, and check in occasionally on the property.

We uses all forms from the small kit and occasionally some additional ones, you'll be surprised how many there are.  

Occasionally an exception is made.1.

So, for instance, when I decided I'd take someone with zero credit if they were a student or on an immigrant visa as a student or employee, I'd add that to my written criteria and email it to myself.There are occasionally really weird situations where an adult of over 40 years old, for instance, has zero credit, and they would be Americans born in America, but chose to stay off the grid.