My HOA is Trying to Charge Me $27,000

My HOA is Trying to Charge Me $27,000
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[@kevinserrano5614]

Listening to Dave Ramsey while still in High school was one of the best decisions I’ve made for my financial well-being

[@coniccinoc]

Normal people don't listen to Dave so young. Also normal, being broke and in debt. Rock on young sir, dreams are achievable, worth fighting for and rarely happen by accident.

[@geraldtisch7270]

You’re one of the lucky ones

[@Algotube]

I'm in 8th grade and started listening to Dave in 7th grade. I've learned so much and will make millions!

[@joesmith-dm9pg]

I am in 7th grade and love his videos!

[@abrahamflores2566]

I love 90% of his advice and its helped me a ton in life

[@SoloClone]

Avoid HOA at all costs....

[@Maryland_Kulak]

Many people feel that way, so they have to drive property values down, not up.

[@Fedgery007]

I’d take a neighborhood with a well run HOA any day.

[@SDALLE99]

Not always possible. Welcome to the real world bub

[@Maryland_Kulak]

@@SDALLE99 Of course it’s possible. Keep looking. Commute farther. You always have a choice.

[@SoloClone]

@@SDALLE99 absolutely possible, no one is holding a gun to your head on where you buy Property.

[@libertarian4323]

An HOA in Portland. Sounds like a nightmare even before you get to the corruption/incompetence.

[@gblyndensrandomreviews]

I was thinking the same thing!

[@vesasutinen5958]

HOA run by leftist lunatic karens...

[@SaldinBajric]

Thank you for removing the music at the beginning!

[@MariaMinter]

Sameee. I hate watching the clips because of it

[@1982nsu]

HOA's started in the 1950's. They were originally formed to save the home owners time and money with trash and snow removal, lawn care, etc... But over time HOA's became bureaucratic and now they are downright authoritarian!

[@mariecoleman9624]

Question why do we need a company plus a board to run a HOA

[@mariecoleman9624]

If it was a HOA and now went to a POA what does that mean

[@yeamore6324]

Wrong

[@w1seguys]

Might be hard to sell with a pending $27000 assessment.

[@businessacc179]

👏👏👏

[@gatewaysolo104]

I'd take that loss. Who knows what further assessments lie ahead

[@jjfragglerock5020]

Dave honestly didn't sound like he really understood the situation. His answer felt just very "let's go to break", it was in no way helpful or informative...disappointing.

[@mr.clapyourcheeks8496]

@@jjfragglerock5020 yeah he probably has no experience in this area and I wonder why he doesn’t want to deal with HOA.

[@joycetaylor8057]

Yeah and he must disclose that fact to any potential buyer

[@coniccinoc]

So far, I have been able to avoid HOAs. Don't trust em, probably never will.

[@alphathefirstone1222]

They are horrible.. lol...B1.

[@matthewdeanl5884]

How can you avoid them when you live in a deed restricted subdivision?

[@alphathefirstone1222]

@@matthewdeanl5884 That is the problem. Why do you buy a home with an HOA? Buy a home that is free and clear of an HOA. That is the only way to deal with them. The HOA will ALWAYS ALWAYS ALWAYS ALWAYS are going to find something to display power over your home. They operate like mini goverments

[@Welcometothenow]

@@alphathefirstone1222 But communities without HOA’s are not maintained well. Is this correct? I live in an HOA community, the grounds are maintained but for what im paying, I dont see where my money is going besides the measly budget they send annually.

[@ashd9942]

@@Welcometothenow I live in a community without an HOA, it's thriving and beautiful. Just gotta move into a city with a competent local govt

[@andredavis2928]

If there is a special assessment and he wants to move, wouldn't he legally be required to disclose the $27k assessment? RIP

[@mikeberg5003]

Yeah. Dave's advice to sell does nothing to help this guy. He's not going to sell it fast enough and even if he did he has to disclose.

[@Laure_Travels]

So regardless he's going to have to pay?

[@ChicagoTRS]

I guess the point is he at least cuts future losses...and removes himself from this disaster that is likely to strike again.

[@cruciferousvegetable]

He could hire the agent that slipped it past him.

[@businessacc179]

He will have to take $27K less on the deal but at least he can get our.

[@jjjjjj428]

I would never buy a hoa home. They are as bad as time shares.

[@gblyndensrandomreviews]

Agreed

[@herschellpacheco9518]

Do well to tell him I referr3ed you...

[@alexis_says_hi]

My HOA is super cheap and basically all they do is mow my lawn so I'm super happy with it lol

[@sson386]

Sadly some parts of this country, every home is part of an HOA. Arizona for example, every place I've looked has an HOA. It's honestly one of the reason I don't want to live out here long term.

[@stellarocquie7957]

Shhhhhh! DON'T say "time shares" in front of Dave!

[@alphathefirstone1222]

The only way to deal with an HOA, is to not have one!! Sell and run!!! B1.

[@747-pilot]

EXACTLY!!!!!

[@jswiz3097]

BE GONE!! 😂

[@rleonekc07]

someone from the HOA is stealing money. plain and simple.

[@3g2000gt]

I honestly think that’s all they do

[@Todjcam]

They simply launder money by paying for overinflated “repair & maintenance” costs where the contractor then secretly funnels money back to the board member(s)

[@1943vermork]

Not true, HOA was simply not collecting enough money in the past for the foreseeable maintenance. Now new owner have to swallow the bills. Every state should have in place precise rules of condominium good management practices. In Canada, those stupid malpractice stopped in 2000iiish by setting minimum condo fees and others management guidelines

[@FastSloW-qt8xf]

@@Todjcam yup thats exactly how it works. I as the contractor put in a bid for say 10k well they add 3-5k on top and pocket the difference, then its just a matter of writing up the books

[@sarah1484]

Only dealt with HOA once and that was enough for me to never deal with them again.

[@generallordjowbra8871]

No joke. They should be illegal or highly regulated.

[@Jaxmusicgal23]

No HOA should be able to put a lien on your house and be able to kick you out of a mortgaged house or own house merely because you dont abide by the rules… I think that is a step too far. Fines, community service if you need to work them off… fine but to take someone’s house because they have improper landscaping or colors not approved on the house or something similar… NOPE. Sounds too socialistic. We are so adverse to dealing with ANY risk in life now we are willing to pay to not be free!!! It boggles my mind!

[@Fedgery007]

Sounds like your HOA board wasn’t maintaining the community or budgeting properly.

[@kbanghart]

Actually sounds like a builder problem. Not the fault of the HOA at all, unless the HOA maintains each home foundation for some reason.

[@blackworldtraveler3711]

Yup. Put off maintenance with band-aids fixes.

[@robinrynearson7212]

What did the HOA do with the money from the lawsuit...500K? Go back and get it from the contractor.

[@kbanghart]

@@robinrynearson7212 I wonder if the individual homeowners are contractually obligated to have the HOA represent them in the lawsuit. It sounds like the caller was not engaged from the beginning. In my neighborhood, people are on social media all the time and word spreads like wildfire whatever issues like this come up, so you really have to be hiding out in your home intentionally trying to ignore people to not know what is going on.

[@cgoodsell3572]

"Clowns to the left of me and jokers to the right" lol

[@stephenryan8492]

That’s why you read your contracts and get an inspection before signing anything.

[@quarterlimit5838]

That’s why you never ever ever buy a home in an HOA. Little commies

[@blackworldtraveler3711]

And read the rules and bylaws.

[@TuyetNguyen-pp2ew]

I moved out of a HOA neighborhood. Best decision ever even though my current home is older.

[@mr.clapyourcheeks8496]

I failed to understand why people move to HOA communities. That’s basically giving someone who doesn’t pay your bills a right to tell you what you can or can’t do.

[@thedude5040]

Its because in many places you dont have a choice to buy in a non HOA

[@mr.clapyourcheeks8496]

@@thedude5040 wouldn’t it be better to move?

[@Maryland_Kulak]

@@thedude5040 Sure you have a choice. Keep looking. Commute farther. You always have a choice.

[@thedude5040]

@@Maryland_Kulak i already commute 35 minutes

[@lauvasquez7198]

Some people don’t want to live in a neighborhood where the neighbor can accumulate junk cars on their yard and driveway. That’s literally one of the reasons my parents wanted to live in one 😂 To me the lack of freedom isn’t worth it.

[@webfreakz]

Sell to whom? Now the guy has to disclose this information to a potential buyer? Nobody buys it.

[@87mchel]

It doesn’t matter, let’s just end the segment there.

[@Libra8410]

He needs to talk to a lawyer

[@raallen1468]

He shoulda' had a lawyer reading all the paperwork BEFORE he bought the property.

[@ChrisMFlorida]

I changed my fuel pump in my driveway this weekend.. HOAs hate that kind of stuff 🤣

[@blackworldtraveler3711]

Indeed. Heck I hate that kind of stuff. That's why I live in a condo. I like things nice,manicured,orderly,secure,etc.. Even our driveways are stamped/stained concrete. The people where I live aren't the type that needs to work on cars including myself.

[@bronc7789]

BlackWorldTraveler ill fix your statement for you. The people where you live aren’t the type that “can” work on your own cars including yourself!!👍

[@ASMRTec]

@@blackworldtraveler3711 not everyone works on cars out of need, it’s pretty cool to know how to work on a machine

[@blackworldtraveler3711]

@@bronc7789 My career is aircraft and spacecraft not cars. Have no problem at all with that especially with the electronic gizmos and what not. Even under the hood doesn't look like an engine anymore. Also no need to get hands dirty if you can afford not to. So I’m good.

[@rrrrrfffff]

@@blackworldtraveler3711 many people fix cars as a hobby... Did your world travels not teach you this?

[@dannyh9010]

Thanks for removing the loud intro music.👍

[@matthewferrick3288]

I live in a condo in Phoenix, we have 200 units. A few years ago the HOA replaced the roofs and the contractor found three units where some rain had gotten in and caused some mold. We don't get very much rain in Phoenix thank goodness. The HOA took care of the problem for the three homeowners out of the general fund. I think that was the right thing to do rather than charge them thousands of dollars. We have a well managed HOA.

[@e.d2736]

This is why I’m scare to get a condo or townhouse 🏡, I’ll stick with my single family homes my boy!!!

[@jjfragglerock5020]

I think you'd be fine with a new (within a few yrs) development. It's when they get older that assessments like this are more likely.

[@blackonblack...9244]

My problem with HOA is that they have meetings when I'm at work and can't attend because of traffic.

[@apeacefulmcadory1627]

I live in a single family house and unfortunately, there are HOA fees. I wouldn’t mind it if there were some amenities other than a dog poop bag station.

[@kbanghart]

@@blackonblack...9244 me and other neighbors have been joining via zoom, especially nowadays.

[@kbanghart]

@@apeacefulmcadory1627 that sounds awful. I pay $100 per month and have some excellent amenities where I live, in CA.

[@brandenparis2864]

Not Dave's finest hour. No one is gonna buy it, he's gotta disclose the $27k legally and as a good Samaritan. He can try but "just sell it" is incredibly obtuse.

[@---cr8nw]

Yeah, selling it *might* be the right course of action, but it's impossible to know without more information. Does this guy have 27k in the bank to pay the bill? Does have have 27k in equity in the townhouse? If he has it in equity, it might be worthwhile to sell it for 27k below value with the buyer expecting to pay that 27k. But just telling him to sell it is useless. My advice would be to call a lawyer. A lawyer needs to read through the HOA document and find out what recourse their is for failing to administer properly. Do members have the right to look at the books? Can he hire a forensic accountant to look at the books? These questions need to be answered before the HOA gets a dime.

[@probablynot1368]

The caller didn’t thoroughly read all the disclosure documents prior to purchasing the property.

[@raleigh2747]

Like almost everyone else.... you gunna read 1000+ pages of legal language?

[@laneyluneva]

@@raleigh2747 I read all my pages. It's not that bad and the time spent is well worth it. Heck, even paying a lawyer to look it over is worth it over getting into a bad deal.

[@ClearOutSamskaras]

Yes, he made a sheepish admission of such.

[@ClearOutSamskaras]

@@laneyluneva Amen! to all that you said. That is the way to be and the way to go.

[@kbanghart]

Yeah, plus the caller sounds like a novice owner anyway, he asks if he should talk to his neighbors?? Duh! When my HOA board suggested raising fees a lot recently, I spoke to a few neighbors, and so on - that kind of news spreads like wildfire. Then a bunch of us joined the zoom call, and problem solved.

[@om617yota8]

HOA was a flat dealbreaker when I bought my house. Don't even show me houses with HOA's.

[@kellyy9349]

Here in Northern VA, you will have very few choices. The only place w/o HOA are old depleted neighborhoods.

[@kbanghart]

@@kellyy9349 same here, in Sacramento, at least a lot of areas. But I'm glad I live in an HOA, because some of the other areas are trash.

[@briantii]

See, I respect this. You know an HOA isn’t for you and you intentionally choose to buy outside of one. Completely valid perspective. I struggle with those who buy inside an hoa community and then somehow think rules shouldn’t apply to them. It’s a decision that should be made before dropping $$$$ on a home, not after.

[@davidrex9592]

This happened the me in Maryland but it was 44k. Here’s what probably happened. The HOA used all their reserve trying to fix individual homes hoping it was isolated and it’s not. Terrible contractor and probably more than one. I lost my place because the monthly special assessment was more than my mortgage and not enough equity. I’ll live in a tent before dealing with HOA again

[@andredavis2928]

I live in MD too, what county did you live in I'm curious because my condo has an HOA that has been ok (So far...).

[@robinrynearson7212]

Problem is...who would buy it knowing they need to put $27K in for an assessment? He has to disclose the repairs to the condo.

[@JakeStewart1343]

Another fool like him might not read the fine print 🤷‍♂️

[@hollyb6885]

I would never buy a property where there is an HOA.

[@EvanYoungMusic]

That's great if you don't live in the northeast where you can buy a house for the same price as a condo in NJ.

[@hollyb6885]

@@EvanYoungMusic No matter where I live, I wouldn’t live in a place with an HOA

[@NiceOCGuy1981]

This why middle class & poor stay poor. They don't read contracts.

[@76482]

@@NiceOCGuy1981 , middle class are poor because their paychecks get taxed to death to pay for everything in this country, yet they can't ever qualify for anything. They can't keep what they earn because it's taken away and given to other people that birthed some kids.

[@NiceOCGuy1981]

@@76482 yup, it's called pay for welfare queens.

[@wernerbrandes389]

I would never buy a hoa property. Period.

[@thedude5040]

Many places, you don't have a choice anymore. Id estimate 80% of all tge houses in my town are in an HOA

[@DewTime]

All recently built houses have HOA

[@thedude5040]

@@DewTime yep its too expensive to buy a non hoa house, tear it down and build something bigger. It costs a lot of money to go out in the country and pay to have utilities brought it, well drilled, road improvements, ext.

[@jswiz3097]

PERIOD

[@kova1577]

@@thedude5040 sounds dystopian to have dictator neighbours

[@TheFabled1]

NEVER EVER LIVE WITH AN HOA!!!!!!!!!!!!!!!!!!!!

[@kbanghart]

False

[@8enjiochoo]

What if i come from the hood and i wanna make it out and live in an HOA in the suburbs with the rich/ wealthy people .

[@JoeGarofaloII]

Why would anyone live somewhere with an HOA?!?! You're literally paying thousands of dollars to a group of Karens just so that they can charge you thousands of more dollars! 🤦

[@---cr8nw]

That's only the HOAs that you hear about. I just bought land with an HOA. There is no annual assessment. There are only special assessments when the gravel road needs to be re-graveled. And the restrictions are very reasonable.

[@genxray951]

@@---cr8nw for now.

[@Raec123]

I live in HOA. The pros are the upkeep of the grounds, security patrolling, resort style amenities. But having to get permission for every little thing is annoying & having to jump through hoops for requests. I wouldn’t buy in an HOA again.

[@luvtotrade2009]

"I love the HOA" is something that no one in the history of the universe has ever uttered

[@estyria5961]

Well... my mother-in-law would be the exception I'm sorry to say.

[@achavez78]

Guess it depends on the city and neighborhood. Where I live in Arizona you need one. If the neighborhood doesn't have an HOA it goes to trash, fast

[@johnallen3497]

It’s nice living in one. There aren’t any run down dumps, broke down cars, and other nonsense. I love having an HOA.

[@achavez78]

@@johnallen3497 where I live in Arizona, if you're neighborhood doesn't have an HOA there's a good chance your neighbor will park a trailer on the street

[@JanglesPrime999]

@@achavez78 I mean it's Ok if you have one run by honest people. My family used to live with an HOA that harassed us to the point we actually had to call the police on the head of the HOA.

[@swesr]

love the new opening title card with no loud noises lol Keep up the good work guys

[@MariaMinter]

Thanks for removing the intro! It deterred me from my DR addiction on KZbin at least lol I live in an HOA so I had to click on the video.

[@AskTheAdjutant]

Got rid of that horrible intro sound that distroyed my speakers!🔈🙌🏾🔊👍🏾

[@josephburton3232]

Thank god! I was so used to hitting the mute button until the intro was over. Such a good quality of life improvement.

[@genxx2724]

I hope they did it for good. Those little hair cells in the ear are damaged by loud noises and they don’t heal. We don’t want our retirement hampered by hearing loss. Now they need to do the same for Chris Hogan’s show. Way too loud.

[@jeffreywhitaker5154]

@@josephburton3232 AGREE

[@warrenf5821]

I learned this lesson from my parents. They had a house with a HOA, and it was nothing short of a nightmare. I recall that they were trying to charge every homeowner a ridiculous amount of money to invest in a road that doesn't need to be replaced. I'm considering buying my own home in the future, and I won't touch a HOA with a 10 foot pole.

[@nickimillennium]

It's how they make their money, on fees. HOA is largely a scam

[@md-wg4bz]

If you have to buy a property with an HOA, make sure to get the meeting Minutes. That is where the Board members discuss the issues within the community. Needed repairs is a given for an older property. I have owned a townhome for over 25 years and special assessments are becoming more frequent due to the age of the property, AND due to the failure of the Board to consistently increase HOA dues over the years to avoid special assessments.

[@giveme10feet]

Is there really a need to increase dues if they have blanket and roofing insurance and a decent amt of money in reserves for emergencies and co-payments b/c they keep their monthly exps low?

[@md-wg4bz]

@@giveme10feet Insurance costs, management company costs, etc., can rise, and the state requires so much money in reserves. I would prefer to deal with an every other year increase rather than being slapped with a lump sum special assessment. I am on my fourth special assessment. However, instead of a lump sump, they allowed us to pay $600 a month for 10 months. This is additional to my $300 a month HOA fee. I never plan on buying home regulated by an HOA ever again.

[@onenikkione]

agree. if you;re in a HOA attend or zoom the meetings. If not possible then get the Minutes as was stated.

[@enlightenedidiot9552]

As soon as I sued my HOA, they disappeared. No issues with me after that. They're paper tigers...

[@unleashthejay]

I like that they removed the intro music because when your binge watching Dave it can get old. Still a great intro track

[@financialessence6823]

Ramsey is a man who is helping million for free and teaching us subject finance which is never taught in school

[@SoTrue144]

"I'm going to change tactics here. Sell the kids"

[@tineeashmon9223]

FUNNY 🤣

[@CarnivoreStork]

Dave, NO ONE is going to buy this problem. Much better to threatened them with your going to the Attorney General of the State and try to get them to open an investigation.

[@TheTurdballs420]

God bless Texas! I love living on my own acreage, no hoa, no codes, no neighbors. It’s great!!

[@TexFarmer]

A big AMEN to that!

[@tdgdbs1]

Me too brother; in a town of 1500 population in Central Texas.

[@JERRRY26]

Get out while you can!

[@yamamancha]

Sounds like the property owners should join together to sue the HOA for mismanagement and loss of value. But yeah, selling sounds like the best way to avoid long-term headache, even it is at a slight loss.

[@KeenxLimit]

How to deal with the HOA: Don't.

[@kenshinhimura2322]

Get together and take The HOA to court.

[@mountains889]

most insurance companies have special assessment coverage - ANYONE living in condos or townhouses should have this coverage

[@blackworldtraveler3711]

Yeah I have that with my HOA for additional $20/yr.

[@brendaramos538]

Insurance would only cover a loss event. The guys situation would likely not apply.

[@csharponlinux4670]

This is why I think all HOA board should automatically be jailed for life and have key thrown away. There is no such thing as good HOA. I never met a good one and probably never will. It's like giving a gun to toddler and now toddler is shooting at everybody.

[@blackworldtraveler3711]

Yes there is.

[@briantii]

Typical- hate the neighbors who are willing to volunteer their time to do something you’re unwilling to do. You know if you’re in an HOA you can run for the board and help make sure that it’s doing the right things? Guessing you’re one of those who would never read the CCRs, never understand what they bought, and then blame the “evil board” for your failure to meet legal commitments.

[@jaym2835]

Finally Dave didn’t ask how much do you make a year.

[@TheDjcarter1966]

BUT you as the seller MUST disclose the rotting and mold so chances of getting your money out of it is zero since he's only been there three years he has no equity. STUPID TAX LESSON....NEVER BUY INTO AN HOA!!

[@ElaineLoyd]

I don't get what your paying the hoa monthly for if they have special assessments when they badly manage the money i give them. I'd call a lawyer.

[@oldtwinsna8347]

Nothing would be accomplished other than the guy now owing another 10k for the retainer to the lawyer. Situations like this are difficult to prove there was fraud involved. And he would still be left with a rotting structure.

[@zunedog31]

Great call

[@CountrySingerWannabe]

The problem is, if he sales it, then the unresolved problem just gets transferred.

[@Silidons91]

You can always take them to court. I used to work in Small Claims court and HOA vs tenant / tenant vs HOA were there all the time. There's more to this guy's story about what the HOA is trying to do I'm sure.

[@TomasOBrien]

A home owners association can me beneficial to some people in some circumstances, but I agree, a poorly managed hoa will be a nightmare.

[@aminallam4188]

You don’t really own the property if the HOA tells you what to do 😂

[@rickyrick9328]

you never really own any property, even if you've paid the bank off. stop paying property taxes and find out.

[@mr.clapyourcheeks8496]

@@rickyrick9328 I don’t have a problem with paying taxes. I just wish they could actually manage the money or let us pick where our taxes go.

[@blackworldtraveler3711]

@@rickyrick9328 You left out the lights,water,gas,mortgage,etc. Also alimony,child support,and the family courts which is is far worse and cheaper than property tax.

[@blackworldtraveler3711]

If you dumb enough to buy a condo without doing due diligence,reading rules/bylaws and get to the point of the HOA telling you what to do you're somewhat stupid and probably will be in an expensive divorce as well owned by family courts.

[@jaakkomerilainen6421]

Wow thanks for getting rid of the loud intro part!

[@jill9606]

I actually disagree with the advice given. Don’t sell it to someone else and make them the victim.

[@oldtwinsna8347]

They wouldn't be since the seller has firm knowledge of the situation he must disclose the issue. This in turn rebalances the sales price downwards to accommodate for the cost of the defect. Bottom line is that he's stuck with the financial impact.

[@jill9606]

@@oldtwinsna8347 I see your point. I feel like it would scare away any buyer, right? I don’t want to sign up for an HOA that has major issues like this, you know?

[@oldtwinsna8347]

@@jill9606 Probably so. Terrible situation to be in.

[@OrionOlamPiksie]

Most HOA’s don’t budget... this is why we need a national level oversight on these companies a lot...

[@katiebwheeler]

I agree, I live out side of Portland get the heck out of there!!!

[@ryant2568]

This is why I hate HOA's, with all that money in the hands of the board you just know that the contractors doing any work are the mates or related in some way to someone on the HOA board.

[@612osiris]

You know it's something negative when they start a sentence with, my HOA...

[@jswiz3097]

😂

[@user-hd8ej8yx9p]

No more intro music?? Woohooooo

[@sherling4663]

I pay 300 per month in Portland, OR for my HOA, I get a yearly budget. I know where my money is going - you have a RIGHT to know - your are the OWNER, you and your neighbors own the place NOT THE HOA.

[@Argedis]

$300 /mo for what!? I pay $400 a YEAR for mine and it includes private trash collection that comes twice a week and they mow the grass in the neighborhood community areas weekly.

[@queen.kristal8395]

lol the hoa is crazy. you really think people have 27k to fix stuff?they are going to move out.

[@MinekaC]

Loathe HOA. The second a house we were looking at had an HOA, that's it. No longer interested. I don't want to ever have to worry if my vegetable garden is in line with HOA rules

[@estyria5961]

Amen to that.

[@truckingwithtobee]

We are buying a new home in Vegas atm and we are avoiding HOA’s like the plague!

[@limitone9564]

Nobody is going to buy this condo, he has to disclose what's happening to the new owner otherwise you're going to be sued down the line.

[@lindasnyder2976]

Seller would have to disclose the possible $27k special assessment to potential buyer.

[@TommyGuy1988]

Finally got rid of that bombastic intro. Kudos. My eardrums thank you.

[@AskTheAdjutant]

That was the only thing I did not like about the show. Glad they got rid of it also.

[@om617yota8]

100%, so very thankful!

[@gblyndensrandomreviews]

I liked it

[@jackjensen9033]

3:58 Made me think my earbus were having a freak out lol

[@NeccoWecco]

I will never subject myself to a HOA

[@BLacknesmonstaz]

Hard to sell, i didn't buy a place cause of the hanging assessment and the possible increase in hoa monthly nut.

[@canadianjatti]

i pay $30 a month for my townhome insurance. my policy covers $63k in special assessments...should have planned ahead for something like this

[@GUITARTIME2024]

Never heard of that in America

[@shannon2748]

I'd never ever live in a house that's part of a HOA. Pure evil.

[@Scorched]

Yeah, and usually a narcissist takes over the HOA…

[@kova1577]

@@Scorched by design

[@deanne.m.sanderson]

Selling just passes the problem to someone else. That doesn't seem right.

[@adriansmith2182]

So..get the problem off your hand

[@GUITARTIME2024]

Also illegal..must disclose

[@stephenshapiro8404]

Ramsey Solutions playing hard ball! Go team!

[@videosuperhighway7655]

This is why you hire an attorney when buying property. I would just sell and get out.

[@sami-9233]

Excellent new format. Great advice. Please IF I May let DR lead The whole show no sidekick

[@TheNotoriousNemo]

who ever does your intro music, SELL THEM!

[@FTG2Eli]

I cannot express enough how much I hate HOAs. You are not in complete control of managing your finances, and home maintenance issues. Hell, NO. And yet I have never had one. Just the thought makes me cringe.

[@jacoblancelot4337]

No more horrible intro music!

[@jeffreywhitaker5154]

YESSSS EXAAAACTLY!!

[@KevinNordstrom]

Moving to Maui soon. Cant find a place without an HOA. So still going back and forth with the idea of HOA and their ammodities vs heachaches

[@novelacollection]

Don’t get an HOA at here has to be areas with no HOA sometimes agents think that’s what clients want and are too lazy to do the due diligence and find those no HOA areas.

[@GUITARTIME2024]

Moved yet?

[@KevinNordstrom]

@@GUITARTIME2024 not yet. Its something I dont take lightly. HOAs right now in Hi are borderline ridiculous. It will happen. When its the right time. Just want to make sure I'm financially secure. That kind of move can be very wreckleless

[@cato451]

Yup. It’s a liability buying into an HOA neighborhood. Read the financials before you buy a townhome or condo. Underfunded and poorly managed HOAs are a nightmare. I learned the hard way too.

[@vincentortega4284]

You need to speak with a real estate attorney ASAP

[@alejandrahowell2057]

FLORIDA is the king of HOA Is hard to find no HOA...sight🥺

[@novelacollection]

There are a lot of areas with no HOA you have to look a lot tell your agent NO HOA at all and they will find those pockets and communities with no HOA. Florida is really big and barely built out yet. Get out of Miami and downtown Orlando etc... 15 m more outside the cities you can find no HOAs.

[@eajinabi]

Portland Oregon....nuff said

[@bettysmith4527]

This is a nightmare!

[@DavinR16]

Never buy a home that’s in a HOA, abolish HOAs

[@ballista7367]

Only places HOAS are needed are in trailer parks lol, I know it's not a "house" but it's a home. Bet it would change the trailer park stereotype

[@Fedgery007]

Disagree.

[@rickyrick9328]

well, you can still have HOA's - just don't come crying when you didn't read the contract. not you personally - I mean whoever signed up for the HOA in the first place.

[@jeffdorris5321]

Nice work 🌠🎆✨

[@onenikkione]

Not all HOA's are equal. Some are very strict and others are not, know what you are getting into before buying.

[@HN-db5cn]

HOA is sadly a big business. Its criminal

[@matthewdeanl5884]

Uncle Dave. TD Ameritrade is it a worthy company or agency to purchase my Roth IRA from? I'm 46yo and know nothing about investments. thank you in advance.

[@thenick3216]

Did he say Portland or Potland? Marijuana is legal and now drugs are legal. You know where the city is headed. Get out ASAP.

[@Jerrytyler1]

Jamesvidal2000@gmailcom

[@Jerrytyler1]

[phone]

[@elena6516]

Why so Americans sign up for HOAs? These arent a thing in Canada.

[@dodgeplow]

Location, location, location. They're usually started by the initial builder/developer. Then it's almost impossible to get rid of them because it takes a super majority of the owners to disband them. They're good if the units are for meant renters (if you're the landlord). It keeps other tenants from discouraging another tenant moving in (like if the grass is overgrown, with trash in the yard, and a car up on jack stands).

[@GUITARTIME2024]

Plenty of Americans don't live with one.

[@kova1577]

@@dodgeplow location of what exactly?

[@HangNguyen-ih8rf]

1st: I would never ever spend my hard earning buying a home with HOA. I can clean up after myself & have power to make my own decision thank you very much.

[@debbietucker1038]

"RUN" ! 👍