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There are townhouses/twinhomes in Scripps Ranch that have relatively minimal HOA (say about ~$40-50/month). They also have Mello Roos of about $100-$150/mo
For example http://www.sdlookup.com/MLS-110013787-10687_Tipperary_Way_San_Diego_CA_92131 (this maybe small but there are bigger floorplans)
or,
http://www.sdlookup.com/MLS-110009251-11860_Cypress_Canyon_Rd_1_San_Diego_CA_92131