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Ian, it was always my luck that the young ladies who lived in my neighborhood had looks that would curdle milk.  Sheesh!  On the subject of HOAs and CC&Rs, most people who buy a house have already succumbed to buyer's fever and basically ignore the paperwork at closing time.  Big mistake.  In my opinion, you should insist that the agent obtain a copy of the HOA rules and the CC&Rs for you the moment you start getting serious about a particular house.  It would save a lot of grief in the future. 
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