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> HOAs are already dense

Very often not, and a central part of their purpose is to prevent densification that might otherwise be allowed by law.



This is correct. My city has two zones: min 1 acre SFH and min 2 acre SFH.


Dense in the sense of land to building use, not people per square foot. You have a 3-5,000 square foot home for a family of four on a quarter acre lot.




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