Condo HOA tradeoff vs SFH repairs
The real cost tradeoff: dues + rules vs maintenance + reserves.
Scenario
You’re torn: condo convenience vs single-family control. You want clarity beyond vibes.
Condo math & checks
- HOA covers what, exactly?
- Reserves healthy? (future repairs funded?)
- Rental rules (caps/approval)?
- Special assessment history?
SFH math & checks
- Roof/HVAC age and life left
- Plumbing + electrical condition
- Foundation/drainage red flags
- Build a repair reserve fund
BRIK takeaway
Condos trade repairs for rules and shared risk. SFHs trade rules for personal responsibility. The “right” answer depends on your cash reserves, lifestyle, and how much uncertainty you can carry.