Even though homeowner associations are beneficial, they can complicate heating, ventilation, and A/C requirements for property owners. The purpose of homeowner associations is to protect the interests of their members. The appearance and upkeep of the public and many private areas are governed by strict rules and regulations. A heating plan is required in every dwelling unit, however air conditioning is not required. In many HOAs, especially in newer developments, window-mounted air conditioners are not allowed, and depending on your community’s restrictions, ductless mini-split air conditioners and heat pumps may be a viable solution to meet your heating, ventilation, and A/C needs. Air conditioners and heat pumps like these are among the most energy-efficient and reliable heating, ventilation, and A/C systems available. Three-entryway homes can be conditioned with a ductless system, but outdoor condensers can be mounted on the exterior wall or sited on the ground. The condensers associated with central air conditioning are smaller and quieter and they have decibel ratings as low as 58, which is the noise level of a suburban street or a restaurant conversation. Attached homes with decentralized heating, ventilation, and A/C systems are another HOA concern. There are some important projects that use commercial-style heating, ventilation, and A/C systems. Most of which use HVAC ducts to distribute conditioned air. The financial responsibility for HVAC duct repair might not constantly be clear to the homeowner. In this case, it would be best to ask the HOA board to clarify ownership. Review the community’s budget for reserves before you buy, and be sure that funds are set aside for community repairs and improvements. As a general rule, HOAs should estimate the cost of repairs and replacements over the lifetime of the unit and divide the amount by the expected system’s lifespan.