Reddit reviews Privatopia: Homeowner Associations and the Rise of Residential Private Government
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http://www.amazon.com/Privatopia-Homeowner-Associations-Residential-Government/dp/0300066384/ref=sr_1_1?ie=UTF8&qid=1456910737&sr=8-1&keywords=privatopia
HOAs are originated by the building developers, not the residents themselves. Check out Privatopia for more than you'll ever want to know about HOA's and CID's.