This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. This episode covers content for the National Real Estate Exam.

In this episode you will learn:

• CC&Rs are private land use controls that are recorded in the deed and run with the land to bind all future owners.

• In a conflict between public zoning and private CC&Rs, the more restrictive requirement always takes precedence.

• Covenants are promises where violations lead to injunctions or damages, while conditions carry the risk of title forfeiture.

• Enforcement is handled privately through HOAs or neighbors, and the doctrine of laches can prevent enforcement if delayed too long.

• Any private restriction that violates Fair Housing laws is illegal, unenforceable, and considered void.

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