[quote=spdrun]njtosd — you’re from NJ, right? Funny how probably 95% of detached homes in NJ aren’t HOA-encumbered, and people survive and thrive just fine in that fair state.[/quote]

Moved there in 2007 for a job – missed San Diego enough to leave a secure job in NJ to return here in 2011. And yes – most NJ homes predate the HOA trend, but neighborhoods are also less consistent there.