Hi Elaine,I am a transplanted Californian now living in Springfield, MO (SW part of the state).

That way I live rent-free and cash flow some extra pocket change each month.

I had a situation where the tenant was recovering from a  liver transplant and i filed for eviction but also provided her with a list of agencies that could help her. 

If you cash out, then where will you live? rent

Not, "I'm going to move out soon so can I live rent free for a couple weeks?"

Based on what I've heard from them during the past several years, it is not the place to invest for reasons others members are posting here and the fact that Bend's economy is somewhat artificial with all the transplants coming in from California.  

I currently live (rent) just outside of Nashville TN but this area is too rich for me right now with every place having more than 20 competing offers most of which are cash, so I am looking in other markets where hopefully its not so hot.

It will be tough to find a duplex that lets you live rent free by house hacking.

In the meantime, I would try to force the Board into some form of reason by having my lawyer go through those covenants with a fine tooth comb and find any loophole, area that they already violating, or way I could increase the costs for everyone by suing the HOA.I think if you come across as lily-livered, you're going to get nowhere.

Most of my investing has been in North Main and the Augusta Road areas...urban lifestyle but good schools, affordable living, and convenience to everything...it's a gem.Regarding #2, yes our redneck homes are pretty affordable for many northerners...my neighborhood is mostly transplants and foreigners.