u/FourEyesAndThighs

I'm buying a new construction home and I knew there would be an HOA, but I had no idea that it would be a massive HOA management company that isn't even local.

They are based out of Arizona and manage over 500 communities in the Southwest / Western US (mostly). There is no local representation at all. There is no board to speak to and all requests for contact are submitted through an online form. I am also not sure how their organization is structured if I wanted to have them removed as the HOA for our community but I am looking into it.

The CC&R's they sent are over 300 pages, and I have not had a chance to review them in full. Maybe this information is in there, but perhaps someone here can shed some light on any dealings with them?

I have a new construction home with a three car garage that I want to get a protective flooring on before I move in. I have been getting quotes from various local companies and all the quotes are coming in at $4-5K. It's a standard three car garage with brand new concrete, minimal prep work would be required. I understand that pretty much everything is expensive these days, but these prices feel like a ripoff.

I've been looking into the various kits available at home improvement stores, and even if I went with the most expensive one they offer, it's still 25% of these prices. I'm a fairly competent painter and stainer, so I am pretty sure I can knock this out myself in a weekend. Right now I'm looking at two of the Gorilla kits, roughly $400 each. Including prep, shoe spikes, rollers, brushes, buckets, I'd be under $1K all in.

For those of you that have done this yourself, what are your wins and / or regrets? Do you wish you had done more prep? Do you think one kit's materials was better or worse than another? Do you regret your color choice?

My friend and I have had an opportunity fall into our lap to take over a profitable business for basically inventory costs, which are very low. Problem is that the business is very cash heavy and equipment to expand is expensive so I need a small business bank that meets a few specific requirements.

1. Ideally fee-free business checking with minimum hoops to jump through to keep the account fee-free. We probably won't have a lot of capital sitting around doing nothing so finding something that isn't depending on minimum daily balances or specific number of transactions would be nice.

2. We need physical locations to deposit cash. It can be some ATM network or at the bank teller window, as long as I can deposit into the account.

3. A 'nice to have' would be a bank that offers a business line of credit for when we start to expand. A lot of business LOC's I've seen have specific term periods and maintenance fees, making them less than desirable. I would prefer a LOC over a credit card for the ease of accessing cash, but a business Visa or Mastercard would do in a pinch.

I currently have accounts (checking, savings, credit cards) with Wells Fargo, Capital One, Citi, and Navy Federal Credit Union. None of their products are particularly good for someone just starting out. BlueVine has been mentioned to me but they don't offer loan products in Nevada. I also prefer to stick with traditional banks and credit unions, staying away from unproven startups and fintechs masquerading as banks.

Any recommendations?

My builder sent me an email today, trying to get me to attend a closing three weeks before the date I am contracted for. The reason we pushed my closing out as far as we could is so my lease ends on my apartment two weeks after my first mortgage payment is due. If I have to move my closing up, that's going to be a $3,500 mortgage payment due three days before my last month ($2,500) of rent will be due. OUCH to my wallet.

I have emails and signed documents stating that my closing date is June 30. I have emailed the builder back and told them as much, and that they need to adjust their timeline accordingly. That should be all I need to do, and that should be the end of it, right?