Interesting, yes, this would be a good introduction for declining the application unless of course 20% down were to occur.

HOA boards, typically eager to get along with management, are unwilling to rein in the management company charges.Before the most recent session of the Texas Legislature, my state representative, Tony Dale, was kind enough to meet with me to discuss these fees, but he declined to do anything about them.

My question is, have you been asked for this before and if so, what was your reasoning behind declining the request?

I declined.

In your opinion, is it up and coming, stagnating or in decline?  

productId=50076951&Ns=p_product_qty_sales_dollar%7C1&pl=1&currentURL=%3FNs%3Dp_product_qty_sales_dollar%7C1&facetInfo=By using these products, my flooring maintenance costs have dramatically declined.

We tried to do a Deed in Lieu as well but they declined that as well.  

I haven't yet had a bank make me pay off a HELOC like @Greg Morical but I did have them reduce the available amount of the HELOC when the market value of my home declined.  

So places like Texas , Tennessee, Florida, South Carolina, North Carolina, Georgia, etc. are hot for growth.The rust belt states the outlying areas that are dying have declining populations, high unemployment, more people daily jumping onto government assistance programs.

Right now houses are cheap, money is cheap, and there are tons of assistance programs so we are likely to not see any major increase in home purchases as primary residences in the near term, and in fact if the market becomes tighter in terms of inventory, lending restrictions become tighter, or interest rates rise then most people would expect a decline in the number of home purchases as a primary residence.