And yes, like I said there are 1%er type HOA nazi homeowners

Nah, the 1%’ers are either too busy making money or riding motorcycles, depending on what variety of 1%’er you’re speaking of. If you’re talking about the former variety, they probably also have 50% equity if they aren’t paid off. It’s the mortgaged-to-the-t!t$ impress-your-neighbor types that do that, because zOMG they only have 5% in to the house and if zOMG the value falls, it can end up underwater.