The Fed released a report on the Housing Wealth created from equity in primary residences that was published in the NYTimes:https://www.nytimes.com/2022/0...As a former wealth banker, this is a no brainer. 

Yes, but you can ask to be released.

If so what would be the best strategy to get the HOA to release the lien?

.- Not sure if an agent, title company or I write this up with example documentation online.8) Sign said contract with seller.9) Celebrate and get to work!

At the beginning a raccoon got into the attic and he bought the trap, set up the trap, caught and released the animal, then sealed the entrance for me, all at no cost.  

Otherwise he needs to find a way to pay it off and have the lien released.

For an example of what that looks like form recent celebrity current events, you don't get to sue in a United States court and cite British laws ("But the British court said...!") 

I said that the sidewalk needs to be done or I wouldn't consider it substantially finished and that I'd need a release by the plumber to make sure that he doesn't file a lien.

I would suggest you give that team a cocktail hour that would cost the same and allow them all to celebrate how you appreciated what they collectively did for you. whatever amount you choose, this will be truly touching to your realtor relationship and that team .what your doing now is how truly trusting and incredibly reliable relationships get built to enjoy thriving  togetherWell done 

We release draw funds 24 - 48 hours after the inspection.