Yeah but unlike all the others, this one is DONE for the owners.. They more than likely didn't have the insurance that was in the agreement and won't be able to get it now because it's already happened. BIG lawsuit they are about to lose!
I bought a small house at a tax sale. After closing, the local HOA sent a letter to me. It was a welcome to the community letter with pages of bylaws and a bill for membership. Problem is the house is not in a HOA! The HOA is voluntary, and not applicable to the house. For over a year we battled over their sending landscapers to work on the yard and removing a swing set. They insisted that I pay the fees. I was livid. I wasn't going to be pressured to join. It finally came down to their attempting to place a mechanic lien against the house for the landscaping bill they ran up. I had to hire a lawyer to prove to them that I was not in their subdivision and they hired the landscaper with out my consent. Ended up costing the HOA $ 2200 in court costs plus a new swing set. Crazy!
the funny thing is, if the agreement said that she was responsible they would have already foreclosed on her home by now and sold it to someone else. The HOA people love to beat down the neighbors " for the good of the neighborhood" but won't take any action on their parts for the same.
I'm just guessing but the HOA does not have insurance coverage. This would come out of their profits. And they can't get insurance now because it's already happened. If the greeting HOA wasn't so damn greedy this problem would have been taking care of months ago. I would sue them. Breach of contract with their customers.
no kidding, we busted our old HOA balls for putting in new playground benches and equipment before doing routine maintenance on the property,. The problem was that the board wanted to buy things for their kids.
This was a 10year battle with an HOA in Cordova, TN called Carrollwood Lakes. Properties were seriously eroding like this and they made excuses for years.
6 лет назад+15
Advice to home seekers: Avoid an HOA community at all costs! They expect that monthly payment but will often try to get away with not fulfilling what is their responsibilities.
There is a ripe lawsuit for poor engineering design of the culvert outfall. Her slope facing the culvert should have been armored with either grouted riprap or reinforced concrete to protect the bank from the flow from the culvert. Get the drain design documents from the city records and find out who the Engineer of Record was and the company he worked for. If the company is still in business, lawyer up and get them to pay for their mistake.
My wife and I saw how low housing in Fort Worth is. We were talking to a realtor and ready to make the move from CA. 90% of the houses there have HOA’s. That’s probably why the houses are so cheap. I would never buy a house in an HOA.
No you will not stay on top of this. News stations report these HOA issues and seldom do a follow up report. Since you put the initial report on RUclips, why not connect the follow-up you promised. Why don't you do an informative followup? Can a HOA sue a news station for reporting news about them? Are HOA legally protected form reporting by the news medias?
Reminds me of my grandmas home. The extra homes built around the creek caused flooding. Over 30 years her 4 acre lot slow disappeared to less than 1. The city and county said it’s not their fault.
I thought being a homeowner in NYC was awful but this is the worst. At least I know my home is insured and no one can tell me what to do. I feel so bad for her because the place was beautiful and this must be so frustrating.
Hope she won her lawsuit. I reckon the reason why the HOA didn't comment about an insurance policy is because they didn't have one at the time. As everyone knows you can't get an insurance policy for a problem that already exists and especially as they were liable for any bank erosion.
I googled the subdivision and found one waterway with one culvert that matches this description. The water is high in the creek. The house that looks like it would be hers is still there. It appears to have a bulkhead in the back yard. With the water high, many houses on the north side of the creek appear to have TINY back yards.
HOA: the owners pay their dues so that when something happens, we are here to fix it Owner: my home could go into the creek at any moment, as per the contact you signed, you gotta do something HOA: nah
The only way I see this getting fixed quickly. If she takes out a 2nd mortgage, fix the issues then sue the HOA for 3x the costs. Or just move out let the house fall in and default on the current mortgage, then file bankruptcy wipe your hands with it...Never sign a HOA again.
One of the problems is there is no personal culpability. The actual people who made the decisions that led to this will never have to account for their bad decisions. Somebody made an actual decision to 1- Cancel the required insurance 2- Not perform the proper upkeep 3- Divert funds to other projects, or 4- Some combination of those. There should be a record in the meeting minutes of the HOA board of who made those decisions and when they were made meetings. Find out who made the decisions and prosecute them. They do not have immunity.
A major retaining wall needs to be installed starting at the bedrock of the creek all the way up. Then put up a fence at the top of it for safety precautions, bring in fill & replant to beautify the yard back to its original origin.
Screw these damned HOA's. That's why I sold my beautiful one bedroom condo in 1993! Every time I turned around, the HOA needed an extra amount of money for whatever reason they could think of for whatever month it happened to be!
Well they need a retaining wall in that area, I can't believe they didn't have one there to begin with , that current is rough when it rains. They need a retaining wall and rhen replace the soil.
Obvious that water from drain pipe is dangerously eroding the bank near her house. I hope she built a bulkhead or dumped rocks and city and hoa can fight each other for years
Teh HOA is so insistent with their petty issues, ones that have significant effect on folks, yet once presented with a legal agreement in a homeowners' favour they go MIA.
That could easily have been fixed by using the same technical solutions one would see at harbours, build some kind of resistant structure at the bottom of the slope, tall enough to withstand exesive flooding, combine this with a structure in front of that thing. Create turbolence, it reduces the speed more than a raised waterlevel...
The government ordered the HAO to do something and they refuse... Why exactly isn't the head of that HAO in jail? Because if the government ordered you to do something, you sure as hell wouldn't have the option to refuse them without consequence.
I like this woman very confident, presents herself well, no wining, gives the facts and her position. Personally I think the city is responsible for keeping up these kinds of things not home owner but I am not a lawyer. But it’s starting to look like she’s going to need to take legal action before she loses her home. I don’t know how she can keep such self control while she is about to loose her home.
I was on a zoning board from '95 to '04. My city wanted every new housing development to have an HOA. Responsibilities that were traditionally the city's were now assigned to the HOA. Less $ and hassle for the city. One of the biggest was road maintenance. I always told friends that lived in a new neighborhood to sell by year 20 or make sure the HOA had a big account balance to handle replacing the roads. Otherwise, they were going to be on the hook for a big increase in HOA fees to pay for the roads. Unfortunately, that advice was not always good enough. Some of the neighborhoods I worked on had shoddy workmanship on the original roads and they went bad quickly.
From an engineering standpoint put big concrete V in front of the culvert which would divert the water left and right and stop a head on hit on her property.
What is trul5 sad is just how easy it would be to fix. Temporarily divert the water from the culvert. Rebuild the bank and line it with concrete canvas, turn culvert back on. The military and civilian contractors have been using the stuff for awhile now.
Regardless of how nice you think your HOA is it will someday become a nightmare to someone down the road. If you're in one you need to do everything you can to dissolve it as soon as possible.
Apperantly you skipped the class ... Diverting the water at the chute will increase head pressure of the culvert (could be you skipped Engineering school)
People buy property in an HOA so they can tell other people what to do (and not do) on their own property. It comes as a terrible shock when they're on the receiving end of the bullshit.
Never buy I to an HOA. As for fixing that bank load it with gabion baskets and geo cloth and stack them deep and replant some trees so the root system helps keep everything in place.
NEVER move into a neighborhood with a HOA...ever. All you're doing is signing up to have a group of power hungry idiots lord over what you can do on and with your own property, and to top it off you get to pay dues for it.
I can understand starting a legal fight get this permanently resolved, but in the meantime why wouldn’t you take steps to protect your property, even just having a bunch of large rocks/small boulders piled in the water is directed toward would go a long way to slowing down the erosion. Sure, it’s not a permanent fix, and it would likely cost a couple grand, but to sit back and do nothing is silly.
I would not have wasted my time with the local government. I would have filed a lawsuit against the HOA the minute they said they weren't responsible. Home is managed by the HOA, you pay dues, HOA says they won't fix it, LAWSUIT. 'NUFF SAID.
It's a simple fix! Stop wasting money on litagation! Just install a bulkhead backstop! This should have been done by the engineers in the beginning! Especially when they were tapping underground drainage into a natural creek overseen by the flood control district!
There was one. The owner of the house rented it out using AirBnb or something, and claimed that the renters one time damaged the outside of the house or something. The HoA came in defense of the renters, giving all documents to AirBnb, to prove that the owner was lying through his teeth.
It needs a lot of dirt installed and the plastic needs to be installed again and big huge rocks need to be installed it will look pretty decent and it will stop the erosion
Sad thing is...People usually know there is an HOA when purchasing property. Don’t buy it, or roll the dice and hope you will never raise the, “rulers” or neighbors ire. If you do, don’t complain, bow down to them as you knew you took a chance and now are losing. OR, Verify EVERYTHING YOU DO WITH THE BOARD, drive them crazy okaying EVERYTHING YOU DO.
At the end of this video the Lady started saying the things that you as a home owner in a HOA had rights to the HOS papers or contracts or other parts of the agreement when you buy into this area.. Well it totally bogus since all the video I have seen so far the people loose all the way around in that mess
All hoa crook hunter agency must sign non bribery and corruption act. Their data is on website. Any people who pay their salary can watch what they are doing everyday.
I hate HOAs. Growing up w had one and they always increased the fees and demanded extra for repairs and updates..but nothing got upgraded. Wonder if she has sued. Ffs she’s already lost half her backyard.. sue for the value of your home and move on
What needs to be done with HOAs is not to ban them outright, but rather pass laws that confine their oversight to the ‘common’ areas, restrict their authority over the exterior of the properties and for their authority to come to a full stop at the door to the properties.
I would just cut my loss hand the HOA the keys and the deed to the house and find a rental and stop paying for the house and the HOA dues. The HOA will not be happy either because they can't sell that property because it would make them liable if it falls into the creek. Let them drag me to court for it to because my families safety comes first
This looks like the opportunity to sue the HOA out of existance.
When u sue the hoa u sue urself as well🙃
Mistake Number 1. You bought a house in a HOA controlled area.
Yeah but unlike all the others, this one is DONE for the owners.. They more than likely didn't have the insurance that was in the agreement and won't be able to get it now because it's already happened. BIG lawsuit they are about to lose!
Right? I’d rather live on Native American Burial Grounds.
I bought a small house at a tax sale. After closing, the local HOA sent a letter to me. It was a welcome to the community letter with pages of bylaws and a bill for membership. Problem is the house is not in a HOA! The HOA is voluntary, and not applicable to the house. For over a year we battled over their sending landscapers to work on the yard and removing a swing set. They insisted that I pay the fees. I was livid. I wasn't going to be pressured to join. It finally came down to their attempting to place a mechanic lien against the house for the landscaping bill they ran up. I had to hire a lawyer to prove to them that I was not in their subdivision and they hired the landscaper with out my consent. Ended up costing the HOA $ 2200 in court costs plus a new swing set. Crazy!
the funny thing is, if the agreement said that she was responsible they would have already foreclosed on her home by now and sold it to someone else. The HOA people love to beat down the neighbors " for the good of the neighborhood" but won't take any action on their parts for the same.
she could have tried another loan to put in a retaining wall too, but it's up in the air
That is why HOAs are rubbish, and need to be shutdown .
@@floydlooney6837 Contract makes it clear it is the HOAs responsibility to fix it.
Translation: we can't lie to you due to the impending lawsuit, so we're not going to answer your questions.
As usual ,an HOA tries to put the blame on the resident.
I'm just guessing but the HOA does not have insurance coverage. This would come out of their profits. And they can't get insurance now because it's already happened. If the greeting HOA wasn't so damn greedy this problem would have been taking care of months ago. I would sue them. Breach of contract with their customers.
What is likely to happen is the homeowners of the HOA are going to get an assessment to have this repaired. This is a nightmare.
+Mark OnTheBlueRidge; thats true but the board might have pet projects they'd rather divert funds to besides paying ins.
no kidding, we busted our old HOA balls for putting in new playground benches and equipment before doing routine maintenance on the property,. The problem was that the board wanted to buy things for their kids.
If they do fix it HOA well and I know they well increase month payment to all residence . That's another lawsuit thont let them make u pay
Needs a retaining wall. A big one. HOA should pay for it considering it's on HOA land.
I'm surprised the HOA didn't fine her for the support beams.
This was a 10year battle with an HOA in Cordova, TN called Carrollwood Lakes. Properties were seriously eroding like this and they made excuses for years.
Advice to home seekers: Avoid an HOA community at all costs! They expect that monthly payment but will often try to get away with not fulfilling what is their responsibilities.
The HOA board has probably siphoned off all funds as they come in.
Thank You for taking up this issue for this lady.
That will be one hell of a lawsuit.
Finest Hops
Especially if it's found that the h o a never had coverage.
There is a ripe lawsuit for poor engineering design of the culvert outfall. Her slope facing the culvert should have been armored with either grouted riprap or reinforced concrete to protect the bank from the flow from the culvert. Get the drain design documents from the city records and find out who the Engineer of Record was and the company he worked for. If the company is still in business, lawyer up and get them to pay for their mistake.
My wife and I saw how low housing in Fort Worth is. We were talking to a realtor and ready to make the move from CA. 90% of the houses there have HOA’s. That’s probably why the houses are so cheap. I would never buy a house in an HOA.
Funny hoa homes sell for 10.% more
HOA There's your first problem right there!
Yes the HOA needs to build a cement wall and restore the property that is now missing
Or the city should for placing high volume culvert drain across from soft embankment?
Build a bulkhead and seek compensation from the hoa. You do have the right to protect your property even under a hoa.
It looks like HOA is responsible per document / agreement.
No you will not stay on top of this. News stations report these HOA issues and seldom do a follow up report.
Since you put the initial report on RUclips, why not connect the follow-up you promised.
Why don't you do an informative followup? Can a HOA sue a news station for reporting news about them? Are HOA legally protected form reporting by the news medias?
Reminds me of my grandmas home. The extra homes built around the creek caused flooding. Over 30 years her 4 acre lot slow disappeared to less than 1. The city and county said it’s not their fault.
HOA should be banned
I thought being a homeowner in NYC was awful but this is the worst. At least I know my home is insured and no one can tell me what to do. I feel so bad for her because the place was beautiful and this must be so frustrating.
i wish these news stories had links to conclusions or something. i see them and than i get no closure
I agree with you. See my comment I made today, 08/07/2021.
Hope she won her lawsuit. I reckon the reason why the HOA didn't comment about an insurance policy is because they didn't have one at the time. As everyone knows you can't get an insurance policy for a problem that already exists and especially as they were liable for any bank erosion.
I googled the subdivision and found one waterway with one culvert that matches this description. The water is high in the creek. The house that looks like it would be hers is still there. It appears to have a bulkhead in the back yard. With the water high, many houses on the north side of the creek appear to have TINY back yards.
HOA: the owners pay their dues so that when something happens, we are here to fix it
Owner: my home could go into the creek at any moment, as per the contact you signed, you gotta do something
HOA: nah
I hope she dumped boulders in there or built a bulkhead that HOA and city can argue abt.
The only way I see this getting fixed quickly. If she takes out a 2nd mortgage, fix the issues then sue the HOA for 3x the costs. Or just move out let the house fall in and default on the current mortgage, then file bankruptcy wipe your hands with it...Never sign a HOA again.
that would affect her credit rating.
Or, this may sound crazy, just sue
Marku B that is one of the worst pieces of advise ever given. Never default!
@@georgegreen3470 It's pointless to keep paying for something that's about to get destroyed,I agree with Markus B.
One of the problems is there is no personal culpability. The actual people who made the decisions that led to this will never have to account for their bad decisions. Somebody made an actual decision to 1- Cancel the required insurance 2- Not perform the proper upkeep 3- Divert funds to other projects, or 4- Some combination of those.
There should be a record in the meeting minutes of the HOA board of who made those decisions and when they were made meetings. Find out who made the decisions and prosecute them. They do not have immunity.
Never be part of any HOA’s. What a horrible human idea.
A major retaining wall needs to be installed starting at the bedrock of the creek all the way up. Then put up a fence at the top of it for safety precautions, bring in fill & replant to beautify the yard back to its original origin.
Start planting willow trees. Just fill the bank with them and cattails at the base to soften the impact of the water.
Do not, I repeat DO NOT move to where there is a HOA
Screw these damned HOA's. That's why I sold my beautiful one bedroom condo in 1993! Every time I turned around, the HOA needed an extra amount of money for whatever reason they could think of for whatever month it happened to be!
Well they need a retaining wall in that area, I can't believe they didn't have one there to begin with , that current is rough when it rains. They need a retaining wall and rhen replace the soil.
I didn't think the problem was that bad until 22:21 you can see how close it's gotten to her house!!! That is CRAZY!
Obvious that water from drain pipe is dangerously eroding the bank near her house. I hope she built a bulkhead or dumped rocks and city and hoa can fight each other for years
Teh HOA is so insistent with their petty issues, ones that have significant effect on folks, yet once presented with a legal agreement in a homeowners' favour they go MIA.
HOA is boned! They just don't want their insurance rates to go up.
Yeah but they'll just raise fees or have a special assessment
That's if they even have the required insurance. Their actions say that they don't.
You need to place down some large rocks at the water edge to help prevent some erosion.
Trees as well will help.
Put up a small retaining wall then fill in the soil behind it. The trees and vegetation roots are the only reason it isn’t worse than it is.
This is why lawyers exist, the HOA clearly has dropped the ball.
plot twist: the HOA meetings are conducted in the culvert
I couldn't find an update on this. The only thing I did find were 2 entries about the original report/interview with Ms. Hernandez.
That could easily have been fixed by using the same technical solutions one would see at harbours, build some kind of resistant structure at the bottom of the slope, tall enough to withstand exesive flooding, combine this with a structure in front of that thing. Create turbolence, it reduces the speed more than a raised waterlevel...
time to take them to court
The government ordered the HAO to do something and they refuse... Why exactly isn't the head of that HAO in jail? Because if the government ordered you to do something, you sure as hell wouldn't have the option to refuse them without consequence.
I like this woman very confident, presents herself well, no wining, gives the facts and her position. Personally I think the city is responsible for keeping up these kinds of things not home owner but I am not a lawyer. But it’s starting to look like she’s going to need to take legal action before she loses her home. I don’t know how she can keep such self control while she is about to loose her home.
I was on a zoning board from '95 to '04. My city wanted every new housing development to have an HOA. Responsibilities that were traditionally the city's were now assigned to the HOA. Less $ and hassle for the city. One of the biggest was road maintenance. I always told friends that lived in a new neighborhood to sell by year 20 or make sure the HOA had a big account balance to handle replacing the roads. Otherwise, they were going to be on the hook for a big increase in HOA fees to pay for the roads. Unfortunately, that advice was not always good enough. Some of the neighborhoods I worked on had shoddy workmanship on the original roads and they went bad quickly.
From an engineering standpoint put big concrete V in front of the culvert which would divert the water left and right and stop a head on hit on her property.
Texas recently passed laws detailing the rights of residents versus HOAs.
don't sue, we won't talk to you, threaten to sue, we won't talk to you.
What is trul5 sad is just how easy it would be to fix. Temporarily divert the water from the culvert. Rebuild the bank and line it with concrete canvas, turn culvert back on. The military and civilian contractors have been using the stuff for awhile now.
Was this matter ever resolved, and what was the outcome?
Regardless of how nice you think your HOA is it will someday become a nightmare to someone down the road. If you're in one you need to do everything you can to dissolve it as soon as possible.
I hope she did sue the shit out of the HOA. Those things should be completely disbanded and made illegal.
If It's in the HOA contract, there you go.
Good luck! Friend of mine built a house next to Big river. Ooops even though town okd it. Buyer beware!
Easy fix. Put a turn in the culvert directing the water downstream. Did EVERYONE skip Physical Science class?
Apperantly you skipped the class ... Diverting the water at the chute will increase head pressure of the culvert (could be you skipped Engineering school)
Sue the crap out of the HOA then use the money to fix the problem.
The price of fine livin
People buy property in an HOA so they can tell other people what to do (and not do) on their own property. It comes as a terrible shock when they're on the receiving end of the bullshit.
Nope, the price of buying a property with an HOA
any updates on this?
The problem with stories like these. Yu never see any updates
Papa Yuki she won i believe and got a hefty bit of money in process
Sagen TheSergal thanks I'm glad she is getting this taken care of. Why is it so hard for some of these HOA's to do the right thing?
Papa Yuki her house sank and the HOA fined her because she didn't mow her grass.
What do you expect when you build near a creek
FLOOD zone
A little advice, get a good law firm.
Never buy I to an HOA.
As for fixing that bank load it with gabion baskets and geo cloth and stack them deep and replant some trees so the root system helps keep everything in place.
NEVER move into a neighborhood with a HOA...ever. All you're doing is signing up to have a group of power hungry idiots lord over what you can do on and with your own property, and to top it off you get to pay dues for it.
I agree. What sounds good about paying someone to tell You where to 'SHIT' for say.
Joining an HOA is saying you don't have enough government in your life.
People who used to live there.... *thank god it wasn't us!*
I can understand starting a legal fight get this permanently resolved, but in the meantime why wouldn’t you take steps to protect your property, even just having a bunch of large rocks/small boulders piled in the water is directed toward would go a long way to slowing down the erosion. Sure, it’s not a permanent fix, and it would likely cost a couple grand, but to sit back and do nothing is silly.
I would not have wasted my time with the local government. I would have filed a lawsuit against the HOA the minute they said they weren't responsible. Home is managed by the HOA, you pay dues, HOA says they won't fix it, LAWSUIT. 'NUFF SAID.
and that is what's happening. She is suing them.
She should just hire some Dutch people, we know how to deal with water.
Just dump a large pile of rocks in front of the culvert and that will slow the water down
It's a simple fix! Stop wasting money on litagation! Just install a bulkhead backstop! This should have been done by the engineers in the beginning! Especially when they were tapping underground drainage into a natural creek overseen by the flood control district!
It's been 3 years. You were going to keep on top of this for us. What was the outcome?
I bet the lady shut down the publicity in order to let it cool off so she can sell her home without all this controversy.
Is there ANY videos of ANY HOA that have done good, no ban HOA's
HOAs are like cops -- only the bad ones make the news.
There was one. The owner of the house rented it out using AirBnb or something, and claimed that the renters one time damaged the outside of the house or something. The HoA came in defense of the renters, giving all documents to AirBnb, to prove that the owner was lying through his teeth.
@@pottsby Not all, the whole concept is faulted.
Any update on this case?
Thanks.
Sue the HOA. They are clearly responsible.
Man that would be frustrating 😮💨
You have to be out of your mind to buy any home in an HOA.
anyone choosing a house under an HOA deserves all the headaches..EVERYONE knows they suck lol
the HOA should have read their own fine print!
Municipalities are a form of hoa.
WHAT A MESS..START THE SUIT NOW!!!
It needs a lot of dirt installed and the plastic needs to be installed again and big huge rocks need to be installed it will look pretty decent and it will stop the erosion
Why is america the only country that has a HOA?
Once I move out of this HOA, never again!
Sad thing is...People usually know there is an HOA when purchasing property. Don’t buy it, or roll the dice and hope you will never raise the, “rulers” or neighbors ire. If you do, don’t complain, bow down to them as you knew you took a chance and now are losing. OR, Verify EVERYTHING YOU DO WITH THE BOARD, drive them crazy okaying EVERYTHING YOU DO.
When you said ''bow down to them'', did you mean facing them or facing away from them?
I bet people that live in an HOA doesn't know that they can see all of the records, so they can see were all the money is being spent on.
many HOAs are non-transparent though. They will only let you see what they want you to see
HOA needs to put property back to original condition and pay for emotional trauma
City should since they built the culvert
At the end of this video the Lady started saying the things that you as a home owner in a HOA had rights to the HOS papers or contracts or other parts of the agreement when you buy into this area..
Well it totally bogus since all the video I have seen so far the people loose all the way around in that mess
Fight the good fight! Go get ‘em! 👍
All hoa crook hunter agency must sign non bribery and corruption act. Their data is on website. Any people who pay their salary can watch what they are doing everyday.
I hate HOAs. Growing up w had one and they always increased the fees and demanded extra for repairs and updates..but nothing got upgraded.
Wonder if she has sued. Ffs she’s already lost half her backyard.. sue for the value of your home and move on
People who live in the moment with no thought of future problems.
This lady should sue
if u live in a hoa u dont really have a house anyway.
but this is how rivers work rivers change shape slowly but of course the culvert is speeding it up
Wow. It used to be that an HOA is there to help you, now it is there to make your home a hell.
What needs to be done with HOAs is not to ban them outright, but rather pass laws that confine their oversight to the ‘common’ areas, restrict their authority over the exterior of the properties and for their authority to come to a full stop at the door to the properties.
They need to be banned. Absolute power corrupts absolutely
so what happened?
Cathy has a lot of bass in her voice.
I would just cut my loss hand the HOA the keys and the deed to the house and find a rental and stop paying for the house and the HOA dues. The HOA will not be happy either because they can't sell that property because it would make them liable if it falls into the creek. Let them drag me to court for it to because my families safety comes first
Hope this got fixed!!
NEVER NEVER NEVER buy in an HOA!!