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Artificially low HOA dues aren't a badge of honor—they're a ticking time bomb. Freezing dues is a silent shell game that starves reserves, guts home equity, and triggers 2026 mortgage blacklists.

Everyone is talking about an "inventory shortage," but 47 years in this business has taught me a grittier truth. We aren't in a shortage; we’re in a closed equity loop. While first-time buyers sweat every basis point at 7%, my generation is moving $34 Trillion in wealth with single wire transfers. It’s time to talk about the "Brick Wall" that’s locking the next generation out of the American Dream.