Rules that prescribe particular materials or levels or methods of upkeep that are significantly more expensive to implement or maintain than others, or that clash with one's culturally-based desires. A common one is a prohibition against small farm animals or front food gardens. Another is part of a hustle where a required exterior finish is only available from a privileged provider or contractor, similar to how apartment buildings limit your choice of ISP.

Failing to adhere to HOA rules (which may not be readily apparent) results in fines and conflict with a group that's empowered to make decisions about your property. When homeowners have these decisions taken away and are forced to shell out, it becomes a financial and psychological strain that prompts people who would otherwise be enjoying the property to leave (or to not purchase it in the first place).