Once you have a general idea, do a search on BP and follow the threads of like minded individuals.

Other units are all-in on "the HOA gets a loan".To me, there are two big problems with this:1) I'd be getting penalized with interest when I can easily pay off the lump sum right now.2) I don't want to cosign a loan and entangle my finances/credit with anyone, ever.They insist that "it's the HOA getting the loan and not individuals, so it's protected", but like... that sounds wrong.

Note: Even when you "get rid" of mortgage payment by purchasing a home in cash, there will still be expenses such as property taxes and general repairs.Other Ideas:- Rent out garage for storage ($150/mo); Rent out individual rooms (maybe $800/mo?)

. - Occupancy is limited to 2 individuals per room, or 5 per unit, whichever is less. - Primary applicant must be 18 years or older. - Applicant must fill out application completely.

So, our deal sizes may differ, even though for us individually they are the same order of magnitude.

Too big for individual home owners.  

The best I could do is look at individual listings to the general public and $200 is high.

However, do some homework, try to find some sort of common ground with individuals within the zoning department, and go down in person and talk to someone.

My plan for this house is to house hack by living in the detached apartment and then individually rent out the bedrooms in the main house.

I'd check the water shut off valves (under sinks) - if they are "old" knob style, id try to turn them to shut off the water and see if they leak (they do tend to do it over time) - replacement can be costly because it will require water shut off to the entire building (unless you have the individual main water shut off) - it will have to be done thru HOA, increasing cost.