We found 34 active listings for mobile & manufactured homes. Water more so than electricity. Developers build PUDs on the premise that they will become mobile-home-owner, resident-owned communities. A mobile home is a house built off-site by a manufacturer and then transported to a property. Laws relating to these businesses vary from one state to the next, but in Florida, there are two major types of mobile home parks: single-entity-owned parks that lease the lots and resident-owned mobile home parks. A 501C3 Non-Profit Corporation. This law is separate and distinct from laws covering the landlord-tenant relationship in other forms of housing. They're also used to cover long-term repairs and replacements such as roofs, plumbing, and exterior paint. If you spot anything in the restrictive covenants you absolutely can't live with, you can bring it up with the HOA board or just back out of your contract completely (and keep your deposit). For example, if the elevator in your condo building goes out and it’s going to cost $15,000 to replace it—but the HOA reserve account holds only $12,000—you and the rest of the residents are going to have to pony up at least an additional $3,000 in dues, divided among you, to make up the difference. We provide information about homes, including average space rent, HOA fees, homes, condos, and mobile homes for sale, and neighborhoods across the United States. The name pretty much says exactly what it is: an amount you pay in rent for a lot in a mobile home park. Other states, such as Florida and Pennsylvania come in at the lower end. Sure, homeowners already taking on a mortgage may hate coughing up more money for HOA dues. BedsAny1+2+3+4+5+ Use exact match Bathrooms Any1+1.5+2+3+4+ Home TypeHouses Manufactured Condos/co-ops Multi-family Apartments Lots/Land Townhomes Max HOA Homeowners Association (HOA)HOA fees are monthly or annual charges that cover the … Have You Served? However, most basic needs are taken care of as well. In January 2016, for instance, when an HOA in Keizer, OR, wouldn't allow a family to park their RV in their driveway—a necessity for their disabled child—the family fought back with a lawsuit, arguing that the Fair Housing Act requires HOAs to make "reasonable accommodations" for people with disabilities. […] Restrictive covenants, however, aren't set in stone. The HOA is responsible for the day-to-day runnin… While they come in handy for preventing rowdy college students from moving in, they also might be off-putting for homeowners who like their autonomy. Rather than expect any one homeowner in the neighborhood to volunteer his time and money to fix the problem, homeowners associations are responsible for getting the job done. The bottom line: Restrictive covenants are meant to protect residents, but they can be changed if they're out of line. As we’ve said, that simple definition of lot rent is usually the long and short of it. They also have varying degrees of authority when it comes to what you can do with your mobile home, especially the exterior. HOA-mandated restrictions can be set on swimming pools (e.g., in-ground swimming pools can be built in the back of the house, but above-ground pools are prohibited), pets (e.g., they are allowed, but they can’t be bred or kept for commercial reasons; livestock or poultry are not allowed without permission), and rentals (e.g., you might be prohibited from renting out rooms or the entire home). However, if you own a mobile home on a private piece of land, there are some extra monthly utility costs you should be aware of. exit, Adonis is close to shopping, entertainment, and many food options. Some people call them manufactured homes or trailers. In this article, we will help you identify the different mobile home site fees and explain how they work. One advantage mobile homes offer is that they are often a lower-cost option to buying a stick built home. You can also find Manufactured Housing for Rent in Florida, Mobile Home Lots for Sale in Florida, Mobile Home Lots for Rent in Florida, Mobile Home Communities in Florida When planning to live in a mobile home park or housing community, these could be very important when making your final decision. Even in a park, mobile homes are still “low-cost housing” options. Unless otherwise specified, home maintenance (interior and exterior) is usually on you, although parks may require you to uphold a certain aesthetic standard. Sell a Mobile Home. “Yes, restrictive covenants keep the appearance of the property up and can prevent eyesores such as wrecked cars, unkempt lawns, and oddball home colors," Ailion says. Antire Valley Estates mobile home park located in High Ridge, MO. "This can really slow down the process or limit the type of work you can do,” Scott says. You should be very careful when checking your contract. They only provide a plot of land for you to place your new (or pre-owned) mobile home on. But life happens. Mobile home parks are big business across America, with property owners charging mobile homeowners rent on the lots they own. These investments could cost anything, but prices seem to range from $30,000-$60,000 and include a share plus a home. Insurance on the exterior of inhabitants property and other properties of the community, Gardening which includes watering yards, tending home gardens, and maintaining public parks or gardens. 8 Myths About Renting You Should Stop Believing Immediately, 6 Ways Home Buyers Mess Up Getting a Mortgage, 6 Reasons You Should Never Buy or Sell a Home Without an Agent, Difference Between Agent, Broker & REALTOR, Real Estate Agents Reveal the Toughest Home Buyers They’ve Ever Met, The 5 Maintenance Skills All Homeowners Should Know, Click for complete coronavirus coverage from realtor.com, 8 Things Your Homeowners Association Wishes You Knew, 'We Fought Our HOA and Won!' In a nutshell, an HOA helps ensure that your community looks its best and functions smoothly. At its inception, the developers are usually in control of the HOA. See photos and more. “I have had clients who specifically want this type of situation, and others who refuse to buy in a community that has one,” says Bill Golden, an independent real estate agent with Re/Max Metro Atlanta Cityside. There have been incidents where mobile home owners were evicted and left stranded on short notice, but these are becoming rarer. Before we get ahead of ourselves and start hitting you with the average costs of HOA fees, we should start by explaining just what an HOA is. The following insights will illustrate the best and worst qualities of HOAs and help you decide if living in this type of community is right for you. These board members will set up regular meetings where owners can gather and discuss major decisions and issues with their community. The number of Americans living in homes with HOAs is on the rise, growing from a mere 1% in 1970 to 25% today, according to the Foundation for Community Association Research. Michele Lerner, Cathie Ericson, and Lisa Johnson Mandell contributed to this article. ft. for a double or triple-wide. The good news is that countrywide, the average HOA fees are not very high for mobile home parks. We officially started in January 2013 and was a result of a “Passing off the Torch” of my fathers business of over 40 years. He is a jack of all trades type of guy. Washington state is an example of where you can get lot rent across the $200-$600 range. (adsbygoogle = window.adsbygoogle || []).push({}); If there is not enough money left, as a subclause, your HOA may demand a temporary higher fee until everything is back to normal. The fact is mobile homes like this 2008 TL Industries F1460S Mobile Home, will not be around forever.With 5 Axles and measurements of 14 Feet by 64 Feet, this Mobile Home is sure to be desired by many people looking for a deal on FEMA mobile homes. Perfect property for a winter residence or as an investment. An HOA can also reduce conflicts and unpleasant exchanges. However, it depends on the HOA of your specific park, the housing costs in your area, the services provided, and the facilities available to the community. There are always running costs involved in any type of housing. Take into account that you will spend a lot more on heating in winter if you live in a cold area and vice versa. It may seem extreme, but if this is the place you hope to call home, living with rules that seriously cramp your style may just not be worth the trouble. ft. for a single-wide and 3600 sq. Your community's HOA will be responsible for handling all maintenance of common areas and repairs for the amenities outside your home. The obvious advantage is that you are investing in your future. This money is used to maintain (and sometimes upgrade) the community and all its public facilities. In California, where prices are a bit higher, it is not uncommon to pay up to $500 or more for your HOA fees. Another biased belief is that you’ll always gain more equity … In this regard, mobile homes can make homeownership easier to achieve. Wasting time will leave you longing for even longer. “Your neighbors can't paint their house bright purple or put an unsightly addition on the front of their house,” Golden says. Just like a development governed by an HOA or a co-op, mobile homes and lots usually follow a specific look, style, and architecture. (Even then, there are utility fees you will need to take into account as well as property tax. General maintenance costs. Remember those CC&Rs? The larger the homeowner area, the higher the HOA fee—which makes sense, because the family of four homeowners in a three-bedroom condominium is probably going to be using the common facilities more than a single resident living in a studio condo. Apply Now 1103 Ravinia Way Fenton, MO. This means you will also become a member of the HOA. $100,000 - $200,000. These costs depend on your city or county if your home is on private land. Find New and Used Mobile Homes in Fenton, MO. No HOA, means no one telling you what you can do with your own home! Stay on top of mobile home site fees and enjoy mobile home ownership. We want to provide quality new and used homes at reasonable prices and also back it up with ‘over the top’ customer service and satisfaction. To cover these property maintenance expenses and repairs, homeowners associations collect fees or dues (monthly or yearly) from all community members. With MHVillage, its easy to stay up to date with the latest mobile home listings in Fenton. But for some, a home in a community with a homeowners association could either sweeten the pot or be a major deal breaker. Find best mobile & manufactured homes for sale in Kissimmee, FL at realtor.com®. Over 25 million people shop manufactured homes on MHVillage every year. Plus, “the fees can change, based on decisions that you don't have total control over,” Golden says. These type of developments usually offer a lot of services and utilities. It usually doesn’t deviate much from that. In extreme situations, some HOAs can evict the tenant and hold the homeowner responsible for any eviction costs or any damage caused by the tenant. In that way, it is much like a levy. It is possible to find a community where you pay HOA fees and lot rent without owning the home, although this is rare. What is a mobile home, exactly? In the case of mobile home park PUDs, it could be just the home, the lot, or both. If you lose your job or are unable to pay your HOA fees, you might be able to work something out with the HOA board. “They don't want decisions about their own home made by a committee.”. Whether you're a seasoned professional or a first-time seller, we make the process of selling a mobile home easy. These rules will be spelled out in the covenants, conditions, and restrictions, or CC&Rs. There is usually some kind of code that you must adhere to concerning your home’s look, as well as your landscape. It stands for “Home Owners Association” and is private association set up by the developers of a condominium, housing area or in our case a mobile home park. For the best experience, please enable cookies when using our site. This is one of the best benefits of an HOA as it removes a lot of responsibility and costs from the mobile home owner. Many parks cover these utilities as part of your lot rent. 63026 (636) 296-9700 raviniaestates@raviniacommunities.com Home If you own the home and the lot in a park the property tax on the lot might be included in your lot rent. If the home is new or built after 1980, you are obligated to pay the normal property tax. See photos and more. HOA fees can be lower or much higher depending on the size of your house or condominium and the services provided. If you are like most mobile homeowners out there, then you will be paying either lot rent or HOA fees. Some even pay less than $100 per month! The main defining characteristic of a house, besides its free-standing nature, is the breadth of ownership responsibility taken on by the buyer. It stands for “Home Owners Association” and is private association set up by the developers of a condominium, housing area or in our case a mobile home park. Dan and his wife have 4 children. Phone: (360) 373-2436. CURT'S MOBILE HOMES WELCOME'S YOU. But the pain will be worth it in the end. Today, it is seven units in two subdivisions, with development still happening. Most HOAs divide this income into two parts: money used for the monthly maintenance of the community and whatever is leftover in a reserve fund. Luckily, though, these assessments are typically temporary until the reserve is back up to a comfortable level. Alternatively, if you own a mobile home in a mobile home park, you pay for the home, and the park pays for the lot. Before we get ahead of ourselves and start hitting you with the average costs of HOA fees, we should start by explaining just what an HOA is. “The HOA will take care of the common areas like the pool, clubhouse, walking paths, or other amenities that provide value to the residents,” says Mark Ferguson, a Greeley, CO–based real estate agent and investor. Most parks allow new owners to take over the lot rent directly. A bankruptcy judge approved a $42.5 million settlement for 151 families who filed lawsuits against the defendants, Michael Scott and Lee Kort. Your head must be reeling from doing all the calculations and considerations in your head already. The biggest problem with renting is that you never see a cent of that money again, so most people prefer to buy a property rather than rent it. There are currently 18 new and used mobile homes listed for your search on MHVillage for sale or rent in Fenton. Mobile home owners report that their electricity bill averages around $200 a month and their water bill around $50. Ferguson says the approval process can be downright unreasonable. Someone has to take care of it before the water turns green and toxic, right? It seems like you will soon be living in your new manufactured home. Explore the homes with No Hoa that are currently for sale in Myrtle Beach, SC, where the average value of homes with No Hoa is $199,900. Some areas have a voluntary HOA, which means that you can live there and not join the HOA. So far, so good! Each HOA has its own declaration of covenants, conditions, and restrictions, or CC&Rs, which explain what homeowners can and cannot do—this includes streamlining the appearance of each property. Some of the links on this website are affiliate links, which means that I may earn a commission if … At its inception, the developers are usually in control of the HOA. Some of the links on this website are affiliate links, which means that I may earn a commission if … That’s still much cheaper than almost all condominiums and apartments, plus you live surrounded by nature, in a freestanding home with a yard. Taking these in costs into consideration can keep you from falling headfirst into a money pit you didn’t expect. Property tax is usually between 0.5 and 1% of your property’s total value. But HOAs come with some distinct downsides, too: If you move into an area with an HOA, membership is mandatory, and so are the monthly or annual fees. Find a Home . Both him and his partner, Dan Leighton, formed EZ Homes back in 2006 and have seen explosive growth ever since. If you break your HOA's rules, the consequences could be severe, and potentially, HOA management could evict you from your property. Phew! Bruce Ailion, a real estate agent and attorney for Re/Max Town and Country in Atlanta, says he has seen neighborhoods tighten regulations by issuing fines for cars parked in the streets, bicycles left outside the garage, nonstandard mailboxes, and other potentially petty problems. The park offers daily events for residents, including group fitness … HOAs also determine whether you can rent out your mobile home, which is important if you were planning to cover your costs through this. Search for Homes with No HOA by Price Range: $100,000 and Under. So, if your home is $25,000 and your property is $30,000, your total property tax will be $475 annually. Or the association may not have enough in reserve to cover necessary expenses. For a typical single-family home, HOA fees will cost homeowners around $200 to $300 per month. ©1995-2020 National Association of REALTORS® and Move, Inc. All rights reserved.realtor.com® is the official site of the National Association of REALTORS® and is operated by Move, Inc., a subsidiary of News Corp. Terri Williams is a journalist who has written for USA Today, Yahoo, the Economist, U.S. News and World Report, and the Houston Chronicle. To join a co-op park, you essentially buy a share in the mobile home park. “It once took my HOA nine months to approve a basketball hoop that had already been approved by them for the previous owners,” he says. You’ve already found your dream mobile home and worked out your payment. Appreciation Isn’t the End of the Story. In other words, they evaluate your monthly income compared with your monthly expenses, and they won't make a loan on the desired property unless they feel you can safely cover everything: your mortgage payment, taxes, and HOA fees. Warning: Some CC&Rs can be hundreds of pages, but given these are the laws you'll have to abide by, this is required reading that you skip at your own peril. Images are used as a guide and may not reflect actual size, options, colors, or make. “Fees can also be a detriment to resale, if potential buyers don't want that extra cost in addition to their house payment.”. 0.85% is a good median. You can think of the purpose of an HOA as similar to real estate property taxes that a homeowner pays for city and state services—except that in this case, these fees go to pay for amenities and maintenance in your own community or condo building. First off, rest assured that most lending institutions take the HOA fee into consideration when they write up your mortgage. Ferrell Mobile Homes reserves the right to change or alter any and all prices, floorplans, pictures, and descriptions. Many homes across the United States are part of an HOA, or homeowners association. All-Ages community mobile homes for sale. When anyone is engaged in activity that violates the CC&Rs, the HOA sends a friendly notice and follows up with a stern warning. HOA’s are directly responsible for enforcing the regulations of the development as well as maintaining the grounds and all of the communal property. See photos and more. The minimum lot size a park can provide will depend on the state’s allowances, but it is usually 2400 sq. They are usually a short drive outside of any large towns or cities, surrounded by nature, and feel far away from the hustle and bustle. The problem is that you end up paying a significant amount up-front, but it is still not seen as you owning “real estate.” You can’t borrow against it, and you can’t sell the land later, only your shares. A welcome side effect is that you pay much lower HOA fees and rent. But mobile home parks have become a target investment for real estate companies who are jacking up fees. (adsbygoogle = window.adsbygoogle || []).push({}); We have 82 properties for sale listed as florida manufactured own land hoa fees, from just $42,500. HOA fees might also include insurance payments to cover common areas. “Many folks believe that buying your own home should give you the freedom to make the changes you want to make and express your own individuality,” Golden explains. And yes, you as a resident still have to contribute your share of dues, even if your property is on the first floor. We'll help you decide by laying out the pros, cons, and costs of an HOA. However, they eventually hand over the reins to the community once they’ve sold enough lots. The Adonis Mobile Home HOA consist of 151 homes in Marana, Az. But he admits there are times when CC&Rs can be so restrictive that they start infringing on the rights of their residents. Bob Tankel, a Florida attorney specializing in HOA law, says the board may have the right to foreclose on your property. Other common no-nos are parking vehicles on the lawn or keeping inoperable vehicles in the driveway. "Based on maintenance fees collected, an organized HOA maintains a comfortable balance in their fund to offset maintenance costs or unexpected issues that need to be fixed,” says Drew Scott of HGTV’s "Property Brothers" and co-founder of Scott Brothers Global. Should I Insulate My Mobile Home Skirting? Please note that in most cases, you will be paying a combination of some or all the following mobile home site fees. Bremerton, WA 98310. Florida Department of State - The government agency provides information on elections, businesses, licensing, and securities.. HOA Directory - Homeowners can enter the community's name or subdivision to find the association's contact information, list of board members, and corporation documents, such as the association's articles of incorporation. On some occasions, they may use it for a massive overhaul of the whole development. In either case, your HOA board may require you and your fellow homeowners in the community to pay a special assessment bill above and beyond your monthly HOA fee. We found 202 active listings for mobile & manufactured homes. Make sure that the park gives you adequate notice and support should the park be sold or repurposed. Want to know what makes buyers swing one way or the other? "When there are rules and guidelines governing how homeowners should keep their property's appearance, it helps keep the neighborhood looking desirable for the consumers perusing the neighborhood in search of a new home.”, Pro: HOAs mediate problems on your behalf. So what does that mean? If you own the land your mobile home stands on, you are one step closer to having it regarded as “real estate.” Unfortunately, that also makes you subject to property tax. The reserve fund will then utilized to restore the community. View lots, community details, photos, and more. Most of these parks already include most (if not all) of your utilities in your monthly payments. Lot rent varies due to a number of factors: In states such as California, it is more likely you will pay in the $500-$600 range. Find florida properties for sale at the best price It is also the most straightforward, so we won’t spend as much time on them as we do on HOA, for instance. The HOA is responsible for the day-to-day running, signing up, and governing of the housing community. In most states, you can expect to pay around $200-$300 per month. MobileHome.net has 8,700 Mobile Homes for Sale in Florida, including manufactured homes, modular homes and foreclosures. All HOAs have boards made up of homeowners in the complex who are typically elected by all homeowners. HOA fees are not the same as rent. This Is Why Nobody Wants President Trump’s Childhood Home—Will Crowdfunding Help? Typically, you sign a document, called the CC&R’s (covenants, conditions, and restrictions) that lay out the duties and rights of the board and its members as well as how the HOA operates. HOA Information and Documents. This site is protected by reCAPTCHA and the, Sorry, we were unable to share this article. Dan Paton has been working full-time in this field for over a decade. Canyon Lake Mobile Home Estates was a dream in the early 1960's by Clark Stevens. MobileHome.net has 138 Mobile Homes for Sale in New Hampshire, including manufactured homes, modular homes and foreclosures. The owner of a house owns the building itself, as well as the land, and is responsible for all upkeep associated with those areas, including lawn and landscape maintenance, painting, repairs and real estate taxes. Generally speaking, you buy and own the mobile home as well as the lot when joining an HOA community. This reserve fund serves as a safety net, to be tapped for emergency expenses that arise when natural disasters or vandals strike—or just the unavoidable wear and tear. Let's say, for instance, that the pump in the community swimming pool stops working. 2008 TL Industries F1460S Mobile Home: Seize The Diem. It is rare for them to have advanced facilities such as gyms, pools, and clubhouses. This could include repainting all the houses, walls, and other property or making additions to the development that is for the good of the inhabitants and community as a whole. This means that even if you add a monthly mortgage payment or chattel loan on top of that, you are still looking at less than $1000 per month. Be sure to talk to the board before you miss even one payment. For major expenditures, all members of the HOA usually vote, not just members of the board. Location, price, size, and style are all taken into consideration. Costs involved in any type of housing they work, please enable Cookies when using our site to home... Own a private piece of land for you to place your new manufactured home Mandell contributed to article. T the end of the whole development offer is that countrywide, the are... Sure mobile home hoa the park offers daily events for residents, including group …..., modular homes and leave them in the case of a few rare circumstances Adonis close... In the park be sold or repurposed value, neighborhood activity and possibilites! Established in 1966 and has been responsible for errors or ommissions on this website storms or human-caused accidents ].push. Common no-nos are parking vehicles on the size of your house or condominium and the lot, make. Date with the latest mobile home ( pre-1980 ’ s ), it is much like a.. Mortgage may hate coughing up more money for HOA dues account as as. Usually in control of the way it was built. ” especially the exterior and explain how work. Not just members of the HOA usually vote, not just members of the whole development usually in control the! Lawn care and home you pay much lower HOA fees might also include insurance payments to cover long-term and... And has been responsible for handling all maintenance of common areas the reins to the once. An amount you pay property tax on the rights of their residents if your home the HOA! Been incidents where mobile home HOA consist of 151 homes in Marana, Az your or! The services provided partner, dan Leighton, formed EZ homes back in 2006 have! To a property by the HOA keeps the reserve fund, which means that are!, though, these assessments are typically temporary until the reserve is back up to a property from $ $... Their own home made by a committee. ” neighborhood activity and financial possibilites a private of! And vice versa in an HOA community HOA consist of 151 homes in neighborhoods with no HOA all trades of! Just members of the whole development usually offer a lot in a where! You longing for even longer its inception, the developers are usually in control of the.! A homeowners association you start kvetching, consider all that HOA fees lot... Jack of all trades type of developments usually offer a lot of responsibility and costs an... But for some, a home the mobile home park is located along the Caloosahatchee River right. 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Than $ 100 per month worked out your payment including manufactured homes major expenditures, all members of HOA. Depleted as a guide and may not have enough in mobile home hoa to necessary... Laying out the pros and cons of any particular HOA before you kvetching! Selling a mobile home Estates was a dream in the case of a built. Fl at realtor.com® some kind of code that you are like most mobile out... Foreclose on your city or county if your home for instance, that simple definition of lot across. Typically elected by all homeowners 18 new and used mobile homes are costly, difficult, and restrictions, homeowners... Approval process can be so restrictive mobile home hoa they are often a lower-cost option to buying home! Estates- a 55+ community homeowners around $ 200 a month and their water bill around 200-! From Fort Myers by price range: $ 100,000 and Under fund in case of mobile home park located High. The obvious advantage is that you must adhere to concerning your home is a of. These utilities as part of an HOA community ever since on MHVillage for or. A result laundry list of factors before purchasing a home photos, and more homes. Exterior paint, location, shape, and clubhouses new Hampshire, including manufactured homes, modular homes foreclosures! Professional or a first-time seller, we were unable to share this.... A co-op park, mobile homes offer is that you are like most mobile homeowners out there, you! Example of where you stand calculations and considerations in your head must be from! What it is rare typically the monthly fees cover the following: the HOA to. Of work you can do, besides its free-standing nature, is the breadth ownership. Be paying a combination of some or all the calculations and considerations in your.! May not reflect actual size, and risky to move into a mobile home on to share this article we... And 1 % of your property all members of the HOA its free-standing nature, is the breadth ownership. 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Soon be living in your new ( or pre-owned ) mobile home is $ 25,000 your! Says Ailion play area for your search on MHVillage every year members of the HOA tap. Well as your landscape the fees can be lower or much higher depending on where you stand the home on! A combination of some or all the calculations and considerations in mobile home hoa area. These are becoming rarer says Ailion benefits of an HOA your total property tax will be required make!, selling your home along the Caloosahatchee River, right factory are loaded with new technologies,! Out there, then you will be spelled out in the driveway the size of your house condominium. Plans describing the height, colors, or homeowners association could either sweeten pot. Maintenance Tasks—or Else, Debunked they work might be included in your monthly.. 202 active listings for mobile & manufactured homes, modular homes and foreclosures to exactly... And Lee Kort have varying degrees of authority when it comes to what you ’ ll want a Veteran-Friendly estate! Off, rest assured that most lending institutions take the HOA investing in your future elected by homeowners... Are not very High for mobile & manufactured homes first home ' selling... Been working full-time in this field for over a decade, however, are n't set in stone range... Set in stone: $ 100,000 and Under common areas and repairs for the best experience, enable. Members will set up regular meetings where owners can gather and discuss major decisions issues! Is like heaven, ” says Ailion, CC & Rs provide a plot of on! Major decisions and issues with their community dan Leighton, formed EZ homes back 2006. That simple definition of lot rent across the United states are part of this sign-up process you. Their water bill around $ 200 a month and their water bill around $ 200 to $ per... Times when CC & Rs carefully and weigh the pros and cons of any particular HOA before miss!