This makes absolutely no sense to me. Every great walkable neighborhood built before the mid twentieth century (in other words 99.9% of them) have no HOA. As

This makes absolutely no sense to me. Every great walkable neighborhood built before the mid twentieth century (in other words 99.9% of them) have no HOA. As a matter of fact, I wound say the exact opposite. The HOA is more likely going to keep out the bars, cafes, restaurants, and groceries that actually make a neighborhood walkable.