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I'd love to know where these HOAs are because I've lived in four states without ever living in one.
Good question. HOA's are proliferating faster than just about all other forms of housing development:
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In the United States, a homeowner association is a corporation formed by a real estate developer for the purpose of marketing, managing, and selling of homes and lots in a residential subdivision. It grants the developer privileged voting rights in governing the association, while allowing the developer to exit financial and legal responsibility of the organization, typically by transferring ownership of the association to the homeowners after selling off a predetermined number of lots. Membership in the homeowners association by a residential buyer is typically a condition of purchase; a buyer isn't given an option to reject it. Most homeowner associations are incorporated, and are subject to state statutes that govern non-profit corporations and homeowner associations. State oversight of homeowner associations is minimal, and mainly takes the form of laws which are inconsistent from state to state. Some states, such as Florida and California, have a large body of homeowner association law, and some states, such as Massachusetts, have virtually no homeowner association law.
The fastest growing form of housing in the United States today is common-interest developments (CIDs), a category that includes planned-unit developments of single-family homes, condominiums, and cooperative apartments. Since 1964, homeowner associations have become increasingly common in the USA. The Community Associations Institute trade association estimated that HOAs governed 24.8 million American homes and 62 million residents in 2010.
In Kent County Delaware there are 192 subdivisions/condominiums/townhomes in HOA's Subdivision HOA Information
In Denver, Colorado alone, the list of HOA's beginning with the letter "M" is 88. I didn't spend time counting them all. Denver Colorado Subdivision Listings M
After spending about an hour searching, I was frankly surprised to be unable to find counts by state except in North Carolina. But I've given enough that I think most folks will recognize that HOAs are not a small thing.
Some towns require lots one acre or larger, or prohibit trailers or apartments. What's to stop government from using policy to wage class warfare?
that is what the citizens want that vote. Zoning prevent issue from where something can be including industrial that isn't what anyone wants to live next to it. Also prevents people from building next to a hazard or a hazard next to homes. Notice that the fertilizer plant explosion showed just what no or poor zoning can mean. No zoning and most will not build single family homes or at least those who pay higher taxes. Property values matter to buyers as does school districts. Want to concentrate poverty have poor zoning /codes thus lowered taxed base unless commercial or industrial are allowed. Quite common I some poorly planned areas with no zoning to control building type.
So you're saying that every HOA and COA prohibits rentals? Like if someone buys a house, gets a job transfer, relocates and can't immediately sell his house, he can't rent it out in order to make the mortgage payment?
The homeownership rate in 2013 for North Carolina was 67.4 percent. Are you saying that 33.6 percent (all the renters) plus (approx) 14 percent (the homeownership rate of 67.4% minus the approx 53% in HOAs) live in the minority of housing outside of an HOA?
Sounds like a whole lot of...um...segregation going on there.
that is what the citizens want that vote. Zoning prevent issue from where something can be including industrial that isn't what anyone wants to live next to it. Also prevents people from building next to a hazard or a hazard next to homes. Notice that the fertilizer plant explosion showed just what no or poor zoning can mean. No zoning and most will not build single family homes or at least those who pay higher taxes. Property values matter to buyers as does school districts. Want to concentrate poverty have poor zoning /codes thus lowered taxed base unless commercial or industrial are allowed. Quite common I some poorly planned areas with no zoning to control building type.
Yes, widely distributed NIMBYs have established a body known as ballot box zoning, where voters decide specific zoning issues and the people intended to be excluded by a zoning provision don't get to vote on it.
I don't see segregating residential uses from other uses as a problem, it's the widespread use of zoning as a tool to control people (primarily those who cannot buy homes), to restrict their options and opportunities (can't get to that good factory job if you live on the wrong side of the tracks and don't have transportation), and to redistribute income upward from renters to owners (as demonstrated by Thomas Sowell).
What you call "good" zoning necessarily concentrates the poor in those places where the zoning isn't as "good" as you'd like. If every town had the "good" sort of zoning you desire, WhereTF would the poor be allowed to live? Would our country be like Cambodia under Pol Pot with the poor forced out of cities and into the countryside?
Zoning imposes financial (and other) costs on renters, according to Sowell. Do you acknowledge the existence of these financial costs, and are you willing to compensate renters appropriately, or do you wish to continue redistributing their income to yourself and your fellow homeowners?
Section 8 vouchers aka the decentralization of dense, urban housing products spread into prosperous, upscale suburban communities across America is class warfare. MD and NY are some of the biggest proponents of Section 8 vouchers. The new ghettos are suburbia, and no exclusive suburb is off limits.
It's government rules that the HOA's are trying to meet
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Originally Posted by freemkt
So you're saying that every HOA and COA prohibits rentals? Like if someone buys a house, gets a job transfer, relocates and can't immediately sell his house, he can't rent it out in order to make the mortgage payment?
The homeownership rate in 2013 for North Carolina was 67.4 percent. Are you saying that 33.6 percent (all the renters) plus (approx) 14 percent (the homeownership rate of 67.4% minus the approx 53% in HOAs) live in the minority of housing outside of an HOA?
Sounds like a whole lot of...um...segregation going on there.
Leasing is limited by many homeowner associations in order to assist owners with selling their homes. Mortgage insurers such as Fannie Mae and Freddie Mac reject loans if the owner-occupied ratio is too low. For new condo loans the GSE's owner occupied requirements range from 51% to 70%. For established condos at least 51% must be owner occupied if the buyer is an investor. In contrast, FHA loans currently require a 50% owner-occupancy ratio for existing projects whether or not the buyer is an investor. In new developments, the FHA since 2011 has reduced their owner occupancy rates to as low as 30%.
Leasing levels of more than 51% will also cause insurance companies to classify the entire development as investment property and that designation significantly increases the cost of the Master HOA insurance policy which in turn results in higher HOA assessments. High assessments cause owners to flee and buyers to stay away. Rental Restrictions - The Third Rail of HOA Policies | Rebecca Law & Associates, LLC
WhereTF are all the so-called liberty-loving conservatives???
There is no such thing.
Conservatives love big government. Just look at the war on drugs, unbalanced budgets mostly due to massive defense spending, the PATRIOT Act or the Iraq war. All examples of government that conservatives love.
Show me a conservative that is against all those things and I'll show you a libertarian.
segregation isn't always racial. If HOAs prohibit rental uses, then 53% of NC residents live in subdivisions that are completely free of renters, which is much greater than the level of racial segregation in most parts of the country.
i can't imagine a state where 53% of the (insert race of choice here) in a state lived in subdivisions completely devoid of members of all other races.
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Good question
