Creative financing is changing how homes are bought and sold. Caleb Christopher joins The Uncommon Area to explain what HOAs need to know about investors, seller financing, and rental rules, and why clarity may be a board’s strongest tool.

• What creative financing actually means
• Seller financing vs. subject-to transactions
• Why low-interest mortgages are valuable assets
• How investors evaluate HOA rules before buying
• Rental caps, short-term rental restrictions, and enforcement challenges
• Co-living and rent-by-the-room trends
• Why public-facing HOA disclosures matter
• Rethinking the HOA and investor relationship

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