On the surface, the HOA fee is merely the “recognition” on a monthly basis of the present and FUTURE costs of building being “worn out”, the “repair reserve” that should be included in monthly HOA is not recognized by small SFR property owners as a cost and hence they have an inflated idea of their net - until a major item needs to be replaced.  

Hi Steve, In situations like yours, it is fairly common for an insurance company to issue a check directly to the policyholder, especially if there is no mortgage lender involved or if the claim is under a certain threshold.

First, ATG is not law but merely an administrative guidance.

Some 2nd lien holders are “sold a bill of goods” that they merely can “step into” the position of the property owner.  

If claim is from a principal and not their attorney the claim is automatically rejected with a generic letter merely stating that the claim is not covered with no specific reason as to why.2.

It's existence is merely to encumber your RE to protect it from seizure. 

Remember, addressing the root cause is always more effective than merely treating the symptoms.

This recommendation is not merely a procedural formality; it serves as a significant safeguard against potential future complications, primarily concerning liability.

The goal is to successfully own and operate real estate, not merely complete the acquisition.  

I am merely interested in better understand your investment relationship with the company because I am not clear how the FBI will be able to assist in recovering a $5,000 investment.