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  • mmunity you???re thinking of buying into???the more owners, the less you???ll have to pay.??? Ngo also suggests looking at the HOA community???s owner-occupancy rate. ???In the Waikiki market, you have a lot of buildings with very low owner occupancy,??? he says. ???Typically, those buildings, especially if they include electricity and air conditioning [in the fee], you???ll see high maintenance f
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