Growing up in New York, I had never even encountered an [HOA](https://www.realtor.com/advice/buy/homeowners-guide-to-hoas-homeowners-associations/). Yet after moving to the Midwest, I learned that basically all homes belong to one. It was a club I had to join. At first, I didn’t think that was a problem. But now I know better. The two-bedroom condo I bought three
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