Q: I've made an enormous mistake. I bought the wrong house! I plotted and planned and dreamed about buying a low-maintenance townhouse in a small complex, really private and an easy commute to work and church. And I bought that -- there's only three units in my HOA.
But since I bought, my two neighbors have walked away from their homes, so now my private unit is borderline creepy, and I really have no neighbors for quite a distance. As a result, my unit just got broken into, and I'm on the hook for 100 percent of the HOA's responsibilities.
Also, I think I made a mistake by putting so much down on my place -- I put down about half of the cash I had, but since the value has declined so much, that's all gone and I have no equity.