Most lot and home owners in many subdivisions receive only the standard HOA manual which outlines the rules and regs. of the property owner at the time of purchase. Rarely are the Articles of Incorporation offered at purchase. Most developers have hidden within the AOI, language that allows them to circumvent the HOA rules and most pay no HOA fees even on developed lots. Developers rarely make an issue of these stipulations unless brought to court action. It is assumed that the developer has the greatest stake in the overall appearance of their development and would do all possible to present the best condition for their property, however as sales dwindle so do developers. Personally I would never live under an HOA or in a development with assessment capability. I enjoy my freedom and living beside Clem and his single wide!!