Fannie Mae and Freddie Mac spent 2026 quietly rewriting the rules that decide whether anyone can get a loan to buy a condo in your community, and one more change hits in January 2027. In this episode, attorney Michael Kushner, California’s most experienced homeowner-side HOA attorney, breaks down what already changed, what’s coming, and why your HOA’s finances now decide whether you can sell your unit or refinance it.  

If you own a California condo, the financial health of your HOA is more relevant than ever to your bank account.  

What You’ll Learn in today’s Episode: 

✅ The financing shortcut that vanished on August 3, 2026, and why it could affect your ability to sell.

✅ Why the reserve minimum jumping from 10% to 15% on January 4, 2027 can push your monthly dues up.

✅ How some HOAs will wrongly call this an “emergency” under Civil Code § 5610(c) to skip your vote.

✅ The exact questions to ask your HOA board before you buy or sell a condo in California. 

Whether you’re selling soon or just want to protect what your unit is worth, this episode shows you where you stand and what steps you can take with your HOA.  

Helpful Links: 

“New Fannie Mae Condo Loan Rules: Can My California HOA Make My Unit Unsellable?”

https://mbkchapman.com/new-fannie-mae-condo-loan-rules-california-hoa-fact-sheet/ 

“Why Can’t Anyone Get a Loan to Buy in My California HOA?”

https://www.youtube.com/watch?v=S_-m8pfmdIw

Freddie Mac March 18, 2026 Selling and Servicing Updates Bulletin (2026-C)

https://guide.freddiemac.com/app/guide/bulletin/2026-C

Fannie Mae Lender Letter (LL-2026-03)

https://singlefamily.fanniemae.com/media/44986/display 

“Can My California HOA Charge a Special Assessment for Rising Insurance Costs?”

https://mbkchapman.com/california-hoa-special-assessment-insurance-fact-sheet/ 

🎧 📞 If you enjoyed this episode, please like and subscribe to HOA HELL. Listen on YouTube at @hoahellpodcastofficial or wherever you get your podcasts. To schedule a consultation, visit https://mbkchapman.com/ and mention the HOA HELL discount. 

DISCLAIMER:  

This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast. This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter. 

ABOUT:  

Michael Kushner created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Managing partner of MBK Chapman, and author of the best-selling book, HOA HELL, Kushner teaches homeowners how to fight their bad HOAs and win.  

💥 Amazon [https://tinyurl.com/tx47hmvn] | Barnes & Noble [https://www.barnesandnoble.com/s/hoa%20hell] 

#FannieMae #FreddieMac #CondoFinancing #HOAreserves #DavisStirlingAct #HOAlawyer #HOAattorney #CaliforniaHOA #badHOA #HOAHell 

🔥 HOA Hell
Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.

👉 Got an HOA nightmare? Submit your question at [email protected]. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 

📲 Follow us on:
Instagram: @mbkchapmanpc
YouTube: HOA Hell
LinkedIn:  https://www.linkedin.com/company/mbk-chapman
Facebook:  https://www.facebook.com/MBKChapman
X:  https://x.com/MBKchapman
Reddit:  https://www.reddit.com/r/hoa_hell/ 

In this HOA Q&A, California’s leading homeowner-side HOA attorney, Michael Kushner, explains the amendment to Civil Code § 5200, which took effect on January 1, 2026.   

🎯 What You’ll Learn in This HOA Q&A: 

✅ The new amendment to Civil Code § 5200 that put the SB 326 inspection report in every homeowner’s hands, and the tight deadline your HOA has to produce it.

✅ How far back you can reach for older inspection reports, and what comparing two of them can expose about your board.

✅ The money you can recover from your HOA if it refuses to turn the report over. 

Homeowners have a clear statutory right to the full SB 326 report, and this Q&A walks through the law supporting your right and what to do if your HOA stonewalls your request or refuses to turn the whole report over to you. 

Helpful Links: 

“Can My California HOA Refuse to Give Me the SB 326 Balcony Inspection Report?”

https://mbkchapman.com/sb-326-inspection-report-fact-sheet/ 

🎧 📞 If you enjoyed this Q&A, please like and subscribe to HOA HELL. Listen on YouTube at @hoahellpodcastofficial or wherever you get your podcasts. To schedule a consultation, visit https://mbkchapman.com/ and mention the HOA HELL discount. 

Disclaimer: This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast.  

This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter.  

About: Michael Kushner created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Managing partner of MBK Chapman, and author of the best-selling book, HOA HELL, Kushner teaches homeowners how to fight their bad HOAs and win. 💥 Amazon [https://tinyurl.com/tx47hmvn] | Barnes & Noble [https://www.barnesandnoble.com/s/hoa%20hell] 

#CaliforniaHOA #BadHOA #HOAhell #DavisStirlingAct #SB326 #HOABalcony #HOAAdvocate

🔥 HOA Hell
Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.

👉 Got an HOA nightmare? Submit your question at [email protected]. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 

📲 Follow us on:
Instagram: @mbkchapmanpc
YouTube: HOA Hell
LinkedIn:  https://www.linkedin.com/company/mbk-chapman
Facebook:  https://www.facebook.com/MBKChapman
X:  https://x.com/MBKchapman
Reddit:  https://www.reddit.com/r/hoa_hell/ 

Weeks after you close on your new home, a letter shows up demanding you pay a fine, cover an unpaid assessment, or fix something the previous owner did. In this episode, attorney Michael Kushner, California’s most experienced homeowner-side HOA attorney, explains which of those charges you actually have to pay and which ones stay the seller’s problem. 

What You’ll Learn in this Episode: 

✅ How Civil Code § 5725 leaves the previous owner’s fines their personal debt, not yours.

✅ The single moment an unpaid assessment stops being the seller’s problem and becomes yours.

✅ What Civil Code § 5673 requires before an HOA can record a lien on your property.

✅ The $1,800 and twelve-month triggers under Civil Code § 5720 that decide whether your HOA can foreclose. 

Most of these demands come down to whether the HOA recorded a lien before you closed, and a lot of what shows up in your mailbox doesn’t survive it. 

Helpful Links: 

“Can My California HOA Make Me Pay or Fix the Previous Owner’s Violations?”

https://mbkchapman.com/hoa-previous-owner-violations-fact-sheet/ 

🎧 📞 If you enjoyed this episode, please like and subscribe to HOA HELL. Listen on YouTube at @hoahellpodcastofficial or wherever you get your podcasts. To schedule a consultation, visit https://mbkchapman.com/ and mention the HOA HELL discount. 

DISCLAIMER:  

This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast. This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter. 

ABOUT:  

Michael Kushner created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Managing partner of MBK Chapman, and author of the best-selling book, HOA HELL, Kushner teaches homeowners how to fight their bad HOAs and win.  

💥 Amazon [https://tinyurl.com/tx47hmvn] | Barnes & Noble [https://www.barnesandnoble.com/s/hoa%20hell] 

#HOAliens #HOAforeclosure #HOAassessments #DavisStirlingAct #CaliforniaHOA #badHOA #HOAHell #HOAlawyer #HOAattorney #HOAdisclosures 

🔥 HOA Hell
Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.

👉 Got an HOA nightmare? Submit your question at [email protected]. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 

📲 Follow us on:
Instagram: @mbkchapmanpc
YouTube: HOA Hell
LinkedIn:  https://www.linkedin.com/company/mbk-chapman
Facebook:  https://www.facebook.com/MBKChapman
X:  https://x.com/MBKchapman
Reddit:  https://www.reddit.com/r/hoa_hell/ 

Your HOA says you can’t trash the board online, and it wants a deposit and an insurance policy before you can even meet in the clubhouse to talk about a recall. Both demands are illegal, and a $1,000-an-hour attorney recently told homeowners the opposite, in print. In this episode, attorney Michael Kushner, California’s most experienced homeowner-side HOA attorney, breaks down both halves of Civil Code 4515, the statute that protects your right to criticize your HOA and to organize your neighbors, and shows you exactly where those rights stop. 

What You’ll Learn in Today’s Episode: 

✅ What Civil Code 4515 does to the non-disparagement clause in your governing documents.

✅ How harshly the law lets you criticize your board and its individual directors online, by name.

✅ The exact line where protected criticism crosses the line into defamation or criminal conduct.

✅ The $1,000-an-hour attorney who got this statute backwards in print. 

Knowing both sides of 4515 is the difference between a homeowner who gets silenced and one who knows his or her rights and uses them freely.  

Helpful Links: 

“Can My California HOA Stop Homeowners From Meeting Together in the Common Area?”

https://mbkchapman.com/hoa-stop-homeowners-meeting-common-area-fact-sheet/ 

“Can My California HOA Fine Me for Criticizing It on Social Media?”

https://mbkchapman.com/can-hoa-fine-you-social-media-california-fact-sheet/ 

🎧 📞 If you enjoyed this episode, please like and subscribe to HOA HELL. Listen on YouTube at @hoahellpodcastofficial or wherever you get your podcasts. To schedule a consultation, visit https://mbkchapman.com/ and mention the HOA HELL discount. 

DISCLAIMER:  

This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast. This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter. 

ABOUT:  

Michael Kushner created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Managing partner of MBK Chapman, and author of the best-selling book, HOA HELL, Kushner teaches homeowners how to fight their bad HOAs and win.  

💥 Amazon [https://tinyurl.com/tx47hmvn] | Barnes & Noble [https://www.barnesandnoble.com/s/hoa%20hell] 

#DavisStirlingAct #CaliforniaHOA #CivilCode4515 #HOArecall #FreeSpeech #NonDisparagement #badHOA #HOAHell #HOAlawyer #HOAattorney 

🔥 HOA Hell
Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.

👉 Got an HOA nightmare? Submit your question at [email protected]. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 

📲 Follow us on:
Instagram: @mbkchapmanpc
YouTube: HOA Hell
LinkedIn:  https://www.linkedin.com/company/mbk-chapman
Facebook:  https://www.facebook.com/MBKChapman
X:  https://x.com/MBKchapman
Reddit:  https://www.reddit.com/r/hoa_hell/ 

In this HOA Q&A, California’s #1 homeowner-side HOA attorney, Michael Kushner, explains what qualifies as a health and safety violation under California’s $100 HOA fine cap. Bad HOAs figured out fast that AB 130’s cap has one exception, and they’ve been stretching the words "health and safety" over ordinary violations to reach fines well above $100. That label isn’t the test. Civil Code § 5850 sets the standard, it’s narrower than most boards realize, and it forces an HOA through two steps that a lot of them skip entirely. 

🎯 What You’ll Learn in This HOA Q&A: 

✅ The precise language in Civil Code § 5850 that decides which violations can carry a fine above $100.

✅ The two procedural steps an HOA has to complete before it collects a dollar over the cap.

✅ Real-world examples of violations that clear the health and safety standard, and the kind of reasoning that fails it. 

Boards can call a violation whatever they want, but this Q&A lays out the standard they actually have to meet. 

Helpful Links: 

“What Qualifies as a Health and Safety Violation Under California’s $100 HOA Fine Cap?”

https://mbkchapman.com/hoa-health-and-safety-violation-fact-sheet/

 🎧 📞 If you enjoyed this Q&A, please like and subscribe to HOA HELL. Listen on YouTube at @hoahellpodcastofficial or wherever you get your podcasts. To schedule a consultation, visit https://mbkchapman.com/ and mention the HOA HELL discount. 

Disclaimer: This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast.  

This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter.  

About: Michael Kushner created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Managing partner of MBK Chapman, and author of the best-selling book, HOA HELL, Kushner teaches homeowners how to fight their bad HOAs and win. 

💥 Amazon [https://tinyurl.com/tx47hmvn] | Barnes & Noble [https://www.barnesandnoble.com/s/hoa%20hell] 

#AB130 #HOAFines #HOAFineCap #HealthandSafety #HOAAdvocate #DavisStirlingAct #HOAHELL #BadHOA 

🔥 HOA Hell
Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.

👉 Got an HOA nightmare? Submit your question at [email protected]. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 

📲 Follow us on:
Instagram: @mbkchapmanpc
YouTube: HOA Hell
LinkedIn:  https://www.linkedin.com/company/mbk-chapman
Facebook:  https://www.facebook.com/MBKChapman
X:  https://x.com/MBKchapman
Reddit:  https://www.reddit.com/r/hoa_hell/ 

In this HOA Q&A, California’s most respected homeowner-side HOA attorney, Michael Kushner, explains loss assessment coverage and how it pays a condo owner’s share of a California HOA special assessment. Such coverage could only be found in your own HO-6 condo policy, but most California condo owners either don’t carry it or carry a token amount that doesn’t help much at all. There’s a specific way to ask your agent for it, and a specific amount to carry, and you can only buy it before the loss happens. 

🎯 What You’ll Learn in This HOA Q&A: 

✅ What loss assessment coverage is.

✅ When loss assessment coverage will pay out to you.

✅ How much loss assessment coverage you should ask your agent about.

✅ The two situations that typically come up where loss assessment coverage kicks in. 

Special assessments hit without warning, and this Q&A explains the one insurance move that can cover your share before it’s too late to make it. 

Helpful Links: 

“HOA Loss Assessment Coverage: Can Insurance Pay My Special Assessment?”

https://mbkchapman.com/hoa-loss-assessment-coverage-fact-sheet/ 

🎧 📞 If you enjoyed this Q&A, please like and subscribe to HOA HELL. Listen on YouTube at @hoahellpodcastofficial or wherever you get your podcasts. To schedule a consultation, visit https://mbkchapman.com/ and mention the HOA HELL discount. 

Disclaimer: This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast.  

This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter.  

About: Michael Kushner created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Managing partner of MBK Chapman, and author of the best-selling book, HOA HELL, Kushner teaches homeowners how to fight their bad HOAs and win. 💥 Amazon [https://tinyurl.com/tx47hmvn] | Barnes & Noble [https://www.barnesandnoble.com/s/hoa%20hell] 

#DavisStirlingAct  #LossAssessmentCoverage #SpecialAssessments #hoaproblems, #hoawars,  #homeowneradvocate #HOAlawyer #HOAattorney #CaliforniaHOA #badHOA #HOAHell 

🔥 HOA Hell
Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.

👉 Got an HOA nightmare? Submit your question at [email protected]. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 

📲 Follow us on:
Instagram: @mbkchapmanpc
YouTube: HOA Hell
LinkedIn:  https://www.linkedin.com/company/mbk-chapman
Facebook:  https://www.facebook.com/MBKChapman
X:  https://x.com/MBKchapman
Reddit:  https://www.reddit.com/r/hoa_hell/ 

A rare childhood cancer cluster in Ladera Ranch has parents pointing at the pesticides their HOA sprays across the common areas. In this episode, HOA attorney Michael Kushner, California’s most experienced homeowner-side HOA attorney, uses that crisis to dig into the questions every California homeowner should be asking.  

How much power does your HOA have to decide what chemicals get sprayed where your kids play, and what information should homeowners be entitled to regarding the nature of those chemicals?  

This isn’t about the toxic tort lawsuit. It’s about the rights homeowners have today, and whether the Davis-Stirling Act should give them more. 

What You’ll Learn in this Episode: 

✅ Your HOA’s right under the Davis-Stirling Act to spray pesticides across the common areas.

✅ The detail most HOA landscaping contracts leaves out.

✅ Whether a Ladera Ranch homeowner has to disclose the cancer cluster when they sell their home.
 ✅ The limit on what a homeowner can demand when they want the spraying stopped near their own home.

✅ The new Civil Code 5200 right attorney Michael Kushner wants homeowners to have when it comes to identifying chemicals sprayed in HOA communities. 

If you’ve ever wondered how much say your HOA has over the chemicals used in your community, and what you’re entitled to know about them, this episode lays it out and asks whether the law should give homeowners more. 

Helpful Links: 

“Can My California HOA Spray Pesticides Near My Home?”

https://mbkchapman.com/hoa-spraying-pesticides-fact-sheet/ 

🎧 📞 If you enjoyed this episode, please like and subscribe to HOA HELL. Listen on YouTube at @hoahellpodcastofficial or wherever you get your podcasts. To schedule a consultation, visit https://mbkchapman.com/ and mention the HOA HELL discount. 

DISCLAIMER:  

This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast. This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter. 

ABOUT:  

Michael Kushner created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Managing partner of MBK Chapman, and author of the best-selling book, HOA HELL, Kushner teaches homeowners how to fight their bad HOAs and win.  

💥 Amazon [https://tinyurl.com/tx47hmvn] | Barnes & Noble [https://www.barnesandnoble.com/s/hoa%20hell] 

#DavisStirlingAct #CaliforniaHOA #badHOA #HOAHell #HOAlawyer #HOAattorney #LaderaRanch #Pesticides #HOAmaintenance #hoaproblems, #hoawars, and #homeownerproblems #homeowneradvocate 

🔥 HOA Hell
Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.

👉 Got an HOA nightmare? Submit your question at [email protected]. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 

📲 Follow us on:
Instagram: @mbkchapmanpc
YouTube: HOA Hell
LinkedIn:  https://www.linkedin.com/company/mbk-chapman
Facebook:  https://www.facebook.com/MBKChapman
X:  https://x.com/MBKchapman
Reddit:  https://www.reddit.com/r/hoa_hell/ 

Many homeowners think that there’s a state agency that they can report their HOAs to when their HOAs break the law. There isn’t. In this episode, HOA attorney Michael Kushner, California’s most respected homeowner-side HOA attorney, explains what homeowners have to do to protect their rights when it comes to their HOAs, and the handful of narrow exceptions where a state agency does exist to help homeowners.  

What You’ll Learn in this Episode: 

✅ Who holds the power to make your HOA follow the law? 

✅ The narrow exceptions, from housing discrimination to red-tagged balconies, where a state agency can intervene.

✅ How the Davis-Stirling Act turns your CC&Rs into a right you can enforce in court.

✅ The fee-shifting statutes, including Civil Code 5975, that can make your HOA pay your legal fees when you win.

The hard truth is that these rights don’t enforce themselves. This episode shows you who has to pull the trigger, and how the law is built to reward you when you do. 

Helpful Links: 

“Who Do I Report My California HOA To When It Breaks the Law?”

https://mbkchapman.com/who-do-i-report-my-california-hoa-to-fact-sheet/

“Can a California HOA Stop You from Installing Solar Panels?”

https://mbkchapman.com/can-california-hoa-stop-you-from-installing-solar-panels-fact-sheet/ 

“When Can You Recover Attorney Fees from Your California HOA? Key Laws Explained”

https://mbkchapman.com/california-hoa-attorney-fees-statutes-fact-sheet/ 

🎧 📞 If you enjoyed this episode, please like and subscribe to HOA HELL. Listen on YouTube at @hoahellpodcastofficial or wherever you get your podcasts. To schedule a consultation, visit https://mbkchapman.com/ and mention the HOA HELL discount. 

DISCLAIMER:  

This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast. This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter. 

ABOUT:  

Michael Kushner created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Managing partner of MBK Chapman, and author of the best-selling book, HOA HELL, Kushner teaches homeowners how to fight their bad HOAs and win.  

💥 Amazon [https://tinyurl.com/tx47hmvn] | Barnes & Noble [https://www.barnesandnoble.com/s/hoa%20hell] 

#DavisStirlingAct #CaliforniaHOA #badHOA #HOAHell #HOAlawyer #HOAattorney #HOArights #HOAlawsuit #HOAAttorneyFees #HOARegulations #HOAEnforcement

🔥 HOA Hell
Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.

👉 Got an HOA nightmare? Submit your question at [email protected]. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 

📲 Follow us on:
Instagram: @mbkchapmanpc
YouTube: HOA Hell
LinkedIn:  https://www.linkedin.com/company/mbk-chapman
Facebook:  https://www.facebook.com/MBKChapman
X:  https://x.com/MBKchapman
Reddit:  https://www.reddit.com/r/hoa_hell/ 

In this HOA Q&A, California’s leading homeowner-side HOA attorney, Michael Kushner, explains whether any state agency regulates California HOAs and where homeowners can turn when their HOA breaks the law. 

🎯 What You’ll Learn in This HOA Q&A: 

✅ The handful of HOA complaints that do have somewhere to go, and the agencies that take them.

✅ The Davis-Stirling Act statute that lets a homeowner enforce the CC&Rs against the HOA directly.

✅ The specific code sections that homeowners can use to target common abuses by bad HOAs. 

No agency is coming to the rescue. Homeowners are on their own when it comes to forcing their HOAs to follow the law, and this Q&A lays out the tools that the Davis-Stirling Act puts in homeowners’ hands to force their HOAs to follow the law. 

Helpful Links: 

“Who Do I Report My California HOA To When It Breaks the Law?”

https://mbkchapman.com/who-do-i-report-my-california-hoa-to-fact-sheet/ 

🎧 📞 If you enjoyed this Q&A, please like and subscribe to HOA HELL. Listen on YouTube at @hoahellpodcastofficial or wherever you get your podcasts. To schedule a consultation, visit https://mbkchapman.com/ and mention the HOA HELL discount. 

Disclaimer: This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast.  

This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter.  

About: Michael Kushner created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Managing partner of MBK Chapman, and author of the best-selling book, HOA HELL, Kushner teaches homeowners how to fight their bad HOAs and win. 

💥 Amazon [https://tinyurl.com/tx47hmvn] | Barnes & Noble [https://www.barnesandnoble.com/s/hoa%20hell] 

#CaliforniaHOA #BadHOA #HOAhell #DavisStirlingAct #HOAComplaints #SueYourHOA #HOALaws 

🔥 HOA Hell
Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.

👉 Got an HOA nightmare? Submit your question at [email protected]. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 

📲 Follow us on:
Instagram: @mbkchapmanpc
YouTube: HOA Hell
LinkedIn:  https://www.linkedin.com/company/mbk-chapman
Facebook:  https://www.facebook.com/MBKChapman
X:  https://x.com/MBKchapman
Reddit:  https://www.reddit.com/r/hoa_hell/ 

In this HOA Q&A, California’s pioneering homeowner-side HOA attorney, Michael Kushner, explains how far California HOAs can go when they move to regulate e-bikes and e-scooters. Suppose your teenager depends on an e-bike or e-scooter to get to school or work, and then your HOA proposes a rule to ban e-bikes and e-scooters from the common areas. Can the board really pass such a rule? And does the HOA’s authority extend onto city-owned streets?  

🎯 What You’ll Learn in This HOA Q&A: 

✅ How far a California HOA’s authority reaches when it comes to streets and common areas. 

✅ The line that separates an enforceable e-bike or e-scooter rule from one that isn’t enforceable.

✅ The Vehicle Code age rule that can stop a teen from riding no matter what the HOA does. 

For any California parent staring down a new e-bike or e-scooter rule, this Q&A is where to start. 

Helpful Links: 

“Can My California HOA Ban or Regulate E-Bikes and E-Scooters?”

https://mbkchapman.com/hoa-e-bike-rules-fact-sheet/ 

“Can My California HOA Ban or Fine Me for My Kid’s E-Bike or E-Scooter?”

https://www.youtube.com/watch?v=lERHpBEl3gc 

🎧 📞 If you enjoyed this Q&A, please like and subscribe to HOA HELL. Listen on YouTube at @hoahellpodcastofficial or wherever you get your podcasts. To schedule a consultation, visit https://mbkchapman.com/ and mention the HOA HELL discount. 

Disclaimer: This content constitutes attorney advertising. The content of this podcast is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is created by listening to this podcast, submitting a question, or receiving a response. Always consult with a licensed attorney regarding your specific legal situation. MBK Chapman and Michael Kushner disclaim any liability for actions taken or not taken based on the information provided in this podcast.  

This communication does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter.  

About: Michael Kushner created and taught the systems now used by the biggest law firms in the state focused on HOA litigation. Managing partner of MBK Chapman, and author of the best-selling book, HOA HELL, Kushner teaches homeowners how to fight their bad HOAs and win. 💥 Amazon [https://tinyurl.com/tx47hmvn] | Barnes & Noble [https://www.barnesandnoble.com/s/hoa%20hell] 

#HOALaw #CaliforniaHOA #BadHOA #HOAhell #DavisStirlingAct #EBikes #HOAEBikeRules #EScooters #HOAattorney #HOAlawyer #Ebikeban 

🔥 HOA Hell
Attorney Michael Kushner, California’s #1 homeowner-side HOA lawyer, shares real legal tools to help homeowners fight back and win against Bad HOAs.

👉 Got an HOA nightmare? Submit your question at [email protected]. Or learn more about your rights as a homeowner by visiting: https://www.mbkchapman.com/fact-sheets. 

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