yes everyone has been great about paying the modest monthly HOA fee, five of eight have had some deck repairs paid by each owner (self included), thank you for the valued feedback. The fees collected exactly cover the annual spend, some years its a different item (tree, spa heater, painting, minor roof repair) that takes a quarter of the budget but so far we’ve never gone into the red or assessed. Looking forward it just seems that if things continue ‘as is’ there will one day be an assessment (total roof replace for two buildings) that all units may not be able to handle. All you SFH owners should rejoice! I think I’ll simply push for moving the dues up every year like you call out. Again, thanks for your input and any further remarks.