Right. As the owner of a single-family home, I control my destiny. Yes, I may pay more dollars to replace my roof than I would pay to replace the roof on a cond

Right. As the owner of a single-family home, I control my destiny. Yes, I may pay more dollars to replace my roof than I would pay to replace the roof on a condo building. But I am in complete control of when it happens, who does it, and how it is done. In a condo building, I am at the mercy of my neighbors to agree to the repair and how it is done. And in any sufficiently large association, there will be at least a handful of people who will fight any expenditure at all (yes, this is rational for short-term owners, but in my experience it tended to be the long-time residents who were the loudest complainers...). Frankly, I don't have enough faith in humanity to put this kind of trust in a bunch of strangers.