Housing, Homeownership & HOA Reform
HOUSING, HOMEOWNERSHIP & HOA REFORM
PROPOSED / DRAFT — HOMEOWNER & HOA REFORM
Buying a home should mean owning your home. MPA supports reasonable community associations while opposing abusive HOA authority.
Homeowners should receive strong protections involving transparency, access to financial records, fair elections, reasonable and consistently enforced rules, adequate notice, meaningful appeals, proportionate fines, liens, foreclosure, conflicts of interest, and selective enforcement.
HOAs exercising quasi-governmental authority should have corresponding requirements for due process, transparency, and accountability.
You bought it. You own it.
HOMEOWNERSHIP & INSTITUTIONAL INVESTORS
American families should have a meaningful opportunity to own homes.
MPA supports limiting concentrated institutional ownership of existing single-family homes.
As a starting national framework, no common beneficial owner should generally be permitted to accumulate more than approximately 25 existing single-family homes intended for ordinary residential ownership, subject to carefully defined exceptions.
Commonly controlled LLCs, subsidiaries, trusts, and shell companies would be aggregated so corporations cannot simply create hundreds of entities to evade the limit.
Reasonable exemptions could address:
Homebuilders temporarily holding newly constructed inventory
Legitimate development activity
Certain nonprofit housing organizations
Short transitional holdings
Other narrowly justified circumstances
Large institutional portfolios above the eventual legal limit would receive an orderly transition period rather than requiring immediate fire sales.
The objective is not eliminating rental homes.
The objective is preventing billion-dollar institutions from permanently converting large portions of America's single-family housing stock into corporate rental portfolios.
American families should not have to outbid Wall Street to own the American home.
Related policies: Tenant Rights & Rental Housing; Property Rights, Land Use & Off-Grid Living; Cost of Living & Economic Security; Consumer Rights.
Status: Proposed / Draft — not yet formally adopted.
Originally published: August 15, 2026.
Last updated: September 25, 2026.
Version: Draft 0.1.