I'll start with the known truth as I have learned. I will never own another property where an HOA is concerned.
Beyond that, I have stared to see the question arise about DIL and deliquent HOA dues. That's why I started this here.
I have a home that I have been remodified on, but it was too little, too late, and now I just want out. I have not paid the HOA in about a year and from my understanding in the forum a DIL may be out of the question. So, since my credit score is already degradated, I'll keep people informed on what happens next.