( Editor's note: There's an article in a North Carolina newspaper, "My descent into HOA hell in North Carolina." And there's this article with a distinctly different message about HOAs.) Here's Why HOAs Are a Big Deal by Harvey Radin Would you believe that homeowner associations outnumber U.S. cities by a huge margin? There are more than 300,000 homeowner associations and only 35,000 U.S. cities and towns. HOAs also outnumber the giant retail store locations, fast food restaurants, megabank branches and coffee chain locations. The biggest fast food chains have 7,000-14,000 restaurant locations. Megabanks have 4,000-6,000 branches. The biggest coffee chains have up to 24,000 locations in the U.S. and other countries. Homeowner associations are a big deal. Not only because of the surprisingly large number of them, but also because many of them are multimillion-dollar properties. And many are managed and governed by volunteers, by homeowners who are e...