There was a second lien nobody mentioned. That's not even the HOA part, that's just how the whole thing started. We clear that up, takes three weeks, finally get to closing and the title company calls me and says there's an HOA transfer fee of eighteen hundred dollars that wasn't disclosed. Fine. Buyers are annoyed but they pay it. Then we get a letter, actual paper letter, saying the seller owes four thousand in back dues and there's a lien on the property and we can't close. The seller swears she paid everything. Swears on her kids. The HOA management company says no, she hasn't paid since 2021. Turns out there's two management companies. The old one and the new one. The old one was collecting payments and apparently just keeping them? Or lost them? Nobody knows. The new company has no records of anything before March of last year. We spent six days on the phone with people who kept transferring us to other people. The HOA board president works nights at a hospital and would only talk between 6 and 7 AM. One board member was in Costa Rica for a month. Buyers almost walked. Would've cost me the whole commission plus the marketing I already paid for. We ended up splitting the four thousand three ways, me and the seller and the buyers, just to make it close. I ate thirteen hundred dollars because two companies couldn't figure out who had the checkbook. The house was two hundred and ten thousand. My split was maybe six. I made nothing.