OfTheCross
Veteran
dark brown isBlack mulch is trash .Really not for residential land enhancement . That’s more reserved for commercial properties. Homeboy’s HOA is absolutely right it needs to be red.... dark brown is a close second .
Is HOA one the biggest scams in America
- Thread starter BrothaZay
- Start date
UserNameless
Veteran
If you insist on going darker , then for residential it’s betterdark brown is
but no , it’s not my preference by any means .
desjardins
Veteran
It's crazy cause you have no control over the rate they increase. At least with property tax politicians know they might get 
if they increase too much and you can appeal increases in my city.
I was looking at copping apartments in buildings to be a landlord or maybe do the airbnb hustle and i was seeing mad studio/1br apartments going for $70k-100K but the HOA fees would be the same as the mortgage
.
if they increase too much and you can appeal increases in my city. I was looking at copping apartments in buildings to be a landlord or maybe do the airbnb hustle and i was seeing mad studio/1br apartments going for $70k-100K but the HOA fees would be the same as the mortgage
.
YIKES!
Yep. When you own shyt, your perspective changes.
desjardins
Veteran
Then if you pay your mortgage early to get under the 20% LTV baseline and request PMI be removed they can make you pay for an assessment
My house appreciated 100k since i bought it so they didn't request an assessment when i got my pmi removed but it was in the contract language
If I skipped it, then you clarified it in your last post. I am not suggesting that you nor anyone else here should buy an HOA managed home, but simply made a point where some people place value on being HOA managed vs. those who are not HOA managed.
my hoa is 270 a year in west orlando my house is in the back of the neighborhood so they they can really see it from the road but they complain if the grass by the street is not cut in a timely matter...wife hates it she bought some land in georgetown florida......it has a hoa as well. in bama where i grew up hoa is rare,,,
Ethnic Vagina Finder
The Great Paper Chaser
You only need to pay PMI if you can't put up the 20% down payment or if you have a VA loan. From the lenders perspective, it's good business. The more money someone puts down, the less likely they will default and walk away, because they have a lot of money invested.
Imagine if banks gave out $300,000 loans, no money down. People would walk away after a few years because it would be just like renting.
I guess HOAd left a sour taste in my mouth. I bought my first house not thinking much about the HOA attached to it. I was active duty military at the time and it wasnt so bad at first. I paid my $300 for the year and that was it. Then i had to tdy for 3 weeks. My grass got a little long but not stupid high. I came back to 2 letters in my mail box. The first one was a warning, and the second one was a fine. After that i parked my jeep in my yard for a few nights....another letter, then i got a letter about a little mold (the green shyt that get on the side of your house) when i already had my homeboy scheduled to comeout to pressure wash it. My final straw was when i got a letter about having a party and being too loud when i aint even have anyone over. They stated that i was getting too many violations and they could put a lien on the house or some shyt. Thats when i stopped paying them. I said fukk all that and sold the house to my coworker. They tried to take me to court and i told em i sold the house and go eat a dikk.
That shyt aint freedom. Its kinda like buying getting a loan for a car vs leasing a car. When you get a loan or buy a car outright, you can do what the fukk you want to it mostly as long as its street legal and safe. Leasing you have all these rules n shyt and no freedom.
Good point. Like you said, it all depends on where you live and what you get.
My brother pays well over $500 a month in HOA dues for his home in South Florida. However, that fee includes yard maintainance for his home, gated security access to the community and 24/7 security (guards at gate and guards that drive through community). So I understand why it is more expensive in comparison to mine.
It's crazy cause you have no control over the rate they increase. At least with property tax politicians know they might get
I was looking at copping apartments in buildings to be a landlord or maybe do the airbnb hustle and i was seeing mad studio/1br apartments going for $70k-100K but the HOA fees would be the same as the mortgage
This may depend on what city/state you live in. A lot of HOA’s in and around Atlanta are run by the homeowners. The amount paid in dues is voted on and established by the owners. We tell the management company (who actually collects the money and pays the bills) what the dues are and when they should be collected.
HOAs are a pain in the ass until you don't have one and you have a shytty neighbor leaving a broken washer and dryer in the front lawn, old ass car that doesn't work, grass is brown and unmanicured....there's pros and cons.
A HOA would have got this muhfukka out the paint the second the first ladder was out there.
A HOA would have got this muhfukka out the paint the second the first ladder was out there.