Not claiming this is the best solution, but with a formal HOA there are mandatory annual/quarterly dues, a proper budget for services/maintenance, reserve funds

Not claiming this is the best solution, but with a formal HOA there are mandatory annual/quarterly dues, a proper budget for services/maintenance, reserve funds, etc. I'd prefer road maintenance was handled by the state, but the HOA works for maintaining common space and other services not handled by the government (trash collection).