Wednesday, May 28, 2014

Fifty + years of experience with thousands of home owners associations across the nation have taught lenders that the most inferior of all property titles are those with titles with "deed restrictions' Lenders have quickly learned that the appreciation or depreciation of value in an HOA is directly attached to the capricious whim of HOA Boards and their CC&R's. Incompetent HOA Boards can as readily depreciate the value of property as they arbitrarily demean member's quality of life as a result of over zealous enforcement of CC&R's.   
Though it is not always possible in many deed restricted properties to dissolve an association because of its type of physical structure--such as condominiums where all that is really owned is air space or a particular gated community. These factors do not exist in the SCCA Core.  It is neither an air space only HOA nor a gated community.  It is a corporation owned by the members. As a corporation run and owned by the titleholders its members have the right to vote to dissolve it.  Then have all the common properties owned by SCCA--the Campus, Corbett Park and others appraised and sold.  The net proceeds of the sale be equally distributed among the 4762 members.  What if the combined total of common properties were appraised for twelve million ($12,000, 000) and sold for ten million?  Supposing that netted to $9,000,000.  $9,000,000 divided by 4762 members = $1889.96. Who wouldn't want to receive a check like that instead of a $500 fine because the palm fronds weren't cut in time? THESE ARE ONLY GUESTIMATE NUMBERS.  THE PROPETIES COULD APPRAISE MUCH HIGHER THE NET PROFITS MIGHT BE HIGHER, TOO. 
Deed restricted properties deprive home owners of obtaining the highest market value and quality of life. If you want to enjoy true market value of your property, live without invasive codes enforcement, stop attending endless, useless meetings, update your property without limiting CC&R’s and enjoy remuneration from selling off SCCA “Campus”, then start organizing to get 51% of the membership vote to dissolve SCCA. In a non-deed restricted community, you would no LONGER be in jeopardy of losing your property via non judicial foreclosure nor in constant conflict with SCCA board over fines and trivial CC&R’s.  Menifee city governorship is all that is necessary.

Thursday, May 22, 2014

How HOA Boards Abuse Their Power -- It isn't only happening in Sun City

The prices of homes in Sun City are among the lowest. The foreclosure rate in Sun City is very high. Yet, with these very low prices, the recovery from foreclosure isn't happening. Though, there are buyers who desperately need housing, buyers are not taking advantage of the incredibly low prices in Sun City Core. This is a tragic situation for members of SCCA. Losing their homes to foreclosures because they can not sell their homes at this stage in their lives is a permanent loss. They are simply too old to recover. Though the real estate market has gone south, there are still thousands of qualified buyers who need homes. The main reason hundreds of SCCA members have lost their homes in foreclosure instead of selling their homes to these buyers is the 55+ age restriction status of SCCA. This 55+ age restriction which was imposed upon the residents of Sun City Core under very questionable circumstances. The members of SCCA need to know the truth about the so called integrity of SCCA. They need to know why their friends and neighbors are disappearing, walking away or just plain abandoning their homes. So do all the people of Menifee need to know why there are so many standing vacant rotting homes in Sun city .

This didn't have to happen. It can be prevented in the immediate future. It can be changed now. However, chances are it will not because of the hostility of people who are proud of the fact they hate families and children. Yes, hating families and children is shameful but these ugly spirited people are proud of the fact the hate families and children. These self centered haters of families, children, and other human beings don't care how many people get hurt in the process as long as they think they can force the 55+ status on the rest of the property owners. The sad, sick part of the entire process is they are ultimately hurting themselves as well. Yet they choose to remain in ignorance. Sun City members can not afford the luxury of an age restricted community. The members who support this carved in granite idea need to wake up before it is too late.

Open letter to Mr. Tom Thurman, President of SCCA

This is my response to the post by Tom Thurman on Menifee24/7 a bout how SCCA became 55+:
"Therese Daniels' statements, as quoted, on June 13,2008 are untrue."
My statements are quite true. If you can prove other wise, I will then an only then take back my words and apologize.
"She is accusing a deceased former SCCA board member of chicanery involved in the recording of the Sun City Civic Association's First Amended & Consolidated Declaration of Restrictions. She even accused her of doing something illegal.

If Ms. Daniels would do a little research she would see that Mrs. Roberge did not sign any recorded documents in 1997
May Jean Roberge rest in peace. (Lou Textera) It still doesn't alter the fact she headed up a project approved by the SCCA Board called "Project 55" for the purpose of obtaining 250 signatures on a petition to get the CC&R's amended from age 18+ to 55+. According to the SCCA bylaws of that time the petition was required to get the amendment put on a ballot so members could vote approval or not. (everything has been convoluted so many times by the board and its attorneys since then, who knows what they say now) Where is that ballot? Where if there was a ballot is the voting results of the ballot? How come you are not aware of "Project 55"? Why was "project 55" ever begun if SCCA already had a 55+ only status?
What you do not know, Mr. Thurman, is that I saw a document filed with the county recorder signed by Jean Roberge with only her signature on it. My only mistake was to fail to get a copy of that document when I had the chance. If you research the minutes and other documents during the years of 1997 through 2001, you may find abundant information that will substantiate my claim. However, I think you would prefer to make me bad and wrong than admit the mistakes of the SCCA Board.

"The documents were in fact signed by Glen L. Roark President of the SCCA on 03/07/1997 and filed and recorded in Riverside County on 03/11/1997. As the separate tracts in the core approved the amendment requirements they were consolidated under the Consolidated Declaration. The process took a couple of years. The last annexation was dated and signed by Glenn L. Roark 2/1/1999 filed and recorded in Riverside County 2/22/1999. Most of the tracts required an approval vote of 2/3 of the total lot owners."

Now here is where this mess gets tricky. Where is there a copy of the ballot asking for the approval vote? It may have been sent, but I don't remember it. The 1997 consolidation to which is Mr. Thurman referring was created by very clever attorneys for SCCA Board Members at the behest of the SCCA Board members. The attorneys were paid with SCCA membership money. Do you really think the membership was consulted about the content of this consolidation document? Who approved it? The majority of the SCCA Board? Or did the 2/3 of the membership approve it-- which is what is required when CC&R's are being amended? The SCCA Board simply adopted the age 55+ restriction and included it in the consolidation and passed it off on the membership without a ballot and without membership full knowledge and understanding of consolidated declarations of 1997 tracts allegedly signed. Again, I ask where is the ballot asking for an amendment for an age restriction that the membership was to vote upon? Show us that ballot? Show us the ballot that gave SCCA Board then authority to hire Epsten & Grinnel to rewrite the whole enchilada!

"Jean Roberge, President and Betty Jo Adney Secretary of the SCCA signed an amendment to the First Amended & Consolidated Declaration on 08/23/2001.. . . It was filed and recorded on 9/17/2001 in Riverside County ."

Once the Epsten and Grinnel brought SCCA Board legally along that far and this very questionable document recorded, it was all over for the membership to ever hope to fight a legal battle as to what and how they did this. Though at the time, I am certain no one ever thought to fight the Board or the document. Most members just fell into place like sheep.
". . . The signing of this amendment was authorized by a majority vote of the Board of Directors of the SCCA at a meeting on 08/16/2001."
Check it out. Mr. Thurman admits the Board-- I repeat the -- SCCA Board of just seven members signed this document. At this stage you can argue that it is the Board's duty to sign on behalf of the membership. That I would agree. However, at what point did the Board get permission from the membership to do so? I was around then. I don't remember being asked. Show me where 2/3 of the membership voted approval for and signed an amendment to the age restriction!
" . . .This amendment was required to maintain compliance with the current requirements of State and Federal law applicable to housing for senior citizens."
It is interesting that SCCA Board failed to comply with its legal obligations after Jean Roberge obtained her 250 signed petition, to place this amendment on the ballot to obtain a 2/3 membership vote; but SCCA is so concerned about maintaining compliance regarding senior housing. Could it be there is something wrong with this picture?

"It is my opinion that Ms. Daniels has self-interest in her desire to open the core to all ages as she is a real estate person, and her primary concern is her pocket book and not the welfare of the homeowners in the core."

Isn't this a standard response when people don't know what else to say. She is a real estate agent and has self interest and wants to make a lot of money. I normally ignore such stupidity but I am going to answer it this time in hopes it enlightens people to reality. The majority of the years I practiced real estate was in Los Angeles where the big money is. A realtor isn't confined to one little tiny area like Sun City Core where the property values are among the lowest in California and the deals are the most difficult to close. The real money properties are built all around and right to the borders of Sun City . They sell for more money, less aggravation, and none of the added problem of age restrictions. Any realtor can make a great living without ever having to sell one 45+ year old property in the core when the market is just a little better than the one we are in.
"Stupid is what stupid does." Forrest Gump
So Mr. Thurman, take your head out of the sand and look around. After that, take a Fleets enema, to clear your head. Sun City is obsolete with its 40+ year old properties, perma rock landscaping, and oleander bushes cut to only six feet. I have no personal agenda to get rich on the poorest, most difficult properties in the state of California .
Yes, it is true. You bet I would like to see the core opened to all ages. So would a whole lot of other SCCA members. This would be in the highest and best interest of every property owner and member in the core. It will also bring fresh and new energy to this tired old core. It will help us transform into the new Menifee City and the 21 first century. In case you haven't noticed, Mr. Thurman, times, life styles, attitudes, and needs have changed since 1964. It is time SCCA awaken, step out of its time capsule and change. Come into the 21 first century. If you want to accuse me of ulterior motives, Let me go one better. I would like to see entire SCCA dissolved. It is no longer needed and except for the 300 to 500 people who still use the facilities you so affectionately call "the Campus", no one cares about the activities. This is a different world. People are into computers and gyms. SCCA is nothing but a money pit. It offers no services of any value to me and over 4,000 of the rest of the members. Yet we are forced to pay for the rest of the dinosaurs who are still living in prehistoric times.
Housing is the economic backbone of America . When the housing market gets in trouble, the entire economic balance of the country tumbles down with it. Home ownership is the great American dream. It is family shelter and its investment. For most people it is the greatest investment of their life time. People are entitled to get the highest and best value from their properties. This is not only good investment, and the American way, but it is moral, ethical, and right. Any one will agree with these thoughts except for the SCCA Board and a handful of recalcitrant members.
SCCA is the perfect example why deed restricted titles are inferior to all other titles. People cannot control their investments because the investments are in the control of Boards of Directors who think they know-- but don't know the first thing about property value.-- The SCCA's board
minimized, depreciated, and devalued
the real estate of its own members when it imposed the 55+ restriction. Isn't it disgusting, Mr. Thurman, that the people who bought into this community with their life savings trusted the SCCA Board of Directors to safeguard their investment only to see it fail? Isn't it pitiful, Mr. Thurman, that people bought into Sun City Core hoping it would be a good plan for their old age only to lose it in foreclosure because of a minimum market created by age restriction? Isn't this, Mr. Thurman, the ultimate betrayal of the SCCA Board to its members? Where is your concern for the welfare of the members. Money is a very real need. Without it, people soon become homeless. You know what happens to the homeless. Where have all the members gone who used to live in these abandoned homes?
The sad reality is SCCA members have been harmed by the 55+ restrictions in many, many ways. There are families whose older children who have fallen upon hard times these past few years who can not help their children by sharing their home because of the age restriction. There are others who were counting on the sale of their property to take them into another life style who couldn't sell their homes and lost them in foreclosure. There are several abandoned homes because it is easier to just let them rot than to attempt to sell or rent because of the age restrictions. The people in the core cannot refinance because values are so low. The families with gorgeous homes at the borders of the core cannot refinance either because the core neighborhood depreciates the value of their property. These are just a few reasons why age restricted communities are not in the highest and best interest of titleholders. The horror stories go on and on and on. What about the welfare of these good, innocent and somewhat naïve families, Mr. Thurman? Don't you care about them? I do.
"We are allowed to discriminate based on age as a Senior Community in fact, it is encouraged by State and Federal laws."

That statement is a crock of manure. This is a classic example of how facts are twisted and convoluted to suit any one's purpose. No wonder it is so difficult to get accurate information about anything. The state and federal laws neither encourage nor discourage age discrimination. It is merely a permission given by state and federal for those seniors who choose to create a senior community. If you really understood anti discrimination laws, you would know age discrimination is forbidden unless a community has met the standards to be an age restricted community. Sun City Core failed to meet the required standards to qualify for a senior only community. However because Sun City was built prior to the Unruh Act, the standards were waived!
"There are no laws that would allow us to lower the age limit to 18, 25, or 45. This would be illegal discrimination and we would be in violation of the Federal Fair Housing Act of 1988."
Tom Thurman

SCCA Member

You are quite correct when you say there are no laws that would allow SCCA to return to the original adult only age 18+ status when Sun City was first developed. The Unruh act erased that. However, there is nothing stopping Sun City From removing the 55+ restriction and start to restore property values so members could enjoy some equity.

Thursday, May 15, 2014


Fifty + years of experience with thousands of home owners associations across the nation have taught lenders that the most inferior of all property titles are those with titles with "deed restrictions' Lenders have quickly learned that the appreciation or depreciation of value in an HOA is directly attached to the capricious whim of HOA Boards and their CC&R's. Incompetent HOA Boards can as readily depreciate the value of property as they arbitrarily demean member's quality of life as a result of over zealous enforcement of CC&R's.   
Though it is not always possible in many deed restricted properties to dissolve an association because of its type of physical structure--such as condominiums where all that is really owned is air space or a particular gated community. These factors do not exist in the SCCA Core.  It is neither an air space only HOA nor a gated community.  It is a corporation owned by the members. As a corporation run and owned by the titleholders its members have the right to vote to dissolve it.  Then have all the common properties owned by SCCA--the Campus, Corbett Park and others appraised and sold.  The net proceeds of the sale be equally distributed among the 4762 members.  What if the combined total of common properties were appraised for twelve million ($12,000, 000) and sold for ten million?  Supposing that netted to $9,000,000.  $9,000,000 divided by 4762 members = $1889.96. Who wouldn't want to receive a check like that instead of a $500 fine because the palm fronds weren't cut in time? THESE ARE ONLY GUESTIMATE NUMBERS.  THE PROPETIES COULD APPRAISE MUCH HIGHER THE NET PROFITS MIGHT BE HIGHER, TOO. 
Deed restricted properties deprive home owners of obtaining the highest market value and quality of life. If you want to enjoy true market value of your property, live without invasive codes enforcement, stop attending endless, useless meetings, update your property without limiting CC&R’s and enjoy remuneration from selling off SCCA “Campus”, then start organizing to get 51% of the membership vote to dissolve SCCA. In a non-deed restricted community, you would no LONGER be in jeopardy of losing your property via non judicial foreclosure nor in constant conflict with SCCA board over fines and trivial CC&R’s.  Menifee city governorship is all that is necessary.

Join this site. Ask questions or share your stories of conflict with SCCA.

This site has resources to information that informs you of your rights and sometimes exposes the HOA Boards violations against their own members.  HOA boards and their corrupt property management companies are counting on your ignorance of the corporate laws that govern them.  The reason members often vote against their own best interest is because they have been misinformed by their boards and property management companies.  This site is here to help you learn your rights so that you may never again vote against your own best interest.

Thursday, May 1, 2014

Sun City Was Never Designed To Be 55+ Only


Has Sun City Core Become Obsolete?

The Price of Un challenged Corruption 

For those of us are old enough to remember the ‘60’s, life was very different than it is now.  The mere thought of computers seemed like living in a Buck Rogers story.  People were not as environmentally aware, then.  Most families made do with one vehicle. 

The Sun City Civic Association (SCCA) is the name of the Home Owner’s Association that manages 4,762 units in an area it calls the Core.  Sun City is a residential community founded by Del Webb in the mid ‘60’s as an adult only community of age 18+.  It was founded that way so the developer could avoid building schools or being assessed for the cost of building schools. Look it up at the Sun City Library.  There is a book written about the founding of Sun City by Del Webb.
Buyers were told that CC&R’s would protect their property values and assure their purchase would be a good investment.  The CC&R’s adopted by Del Webb were modified boiler plate restrictions written for condominiums built in the “60’s without land. Landscaping standards then were “minimum maintenance”.     Thus most of the 4,762 homes were landscaped with rocks, green painted perma rock, or any other horrible substance that could be glued or painted in front and back of the Core homes that could substitute a nice cool green lawn.  In those days they traded beauty for no maintenance.  Who was around to challenge the reality of the CC&R’s or that ugly landscaping was better than unwanted maintenance as long as buyers bought into the Core.  These were the ideas of 46 years ago which are still accepted as Gospel in the Core today.  

The people who bought into the Core were considerably younger, healthier and more energetic when they first bought their $22,000 to $35,000 price range homes (which even in those days were a great bargain).  For many it was an opportunity to own property they could not afford anywhere else.  What made their purchase even more attractive was what SCCA calls the campus with its swimming pools, hobby shops, and other amenities.  Not having to spend any time on maintenance free landscaping meant the residents had more time to play and golf.  These were amenities that prior to Del Webb’s Sun City were really only affordable to the higher economic brackets of society.  Finally people who could barely afford to own their own homes were enjoying amenities they never imagined possible in their impoverished lives.  

The people who became the seven SCCA Board were popular and gave little cause to be challenged. Suddenly people who never enjoyed any status were big shots. They thought Sun City Core was the Beverly Hills of Riverside County. 

The titleholders of SCCA’s only source of information about their--then very isolated community was The Core Courier.  Anything that was said in the Core Courier was accepted as Gospel.  There wasn’t any one around with either enough knowledge or enough guts to challenge the The Courier and the Sacred Seven Board Members of SCCA who served for twenty straight years.  The Boards power then was absolute.  They did, said, and ruled as they chose unchallenged.  

As time passed, the residents grew old, tired, and sickly.  Less and less members used the facilities. More and more became apathetic due to ill health and old age.  Less members on important issues.  Those who did vote didn’t understand the full impact of what they were voting. The residency turnover in Sun City has never been a large enough percentage to replace the loss of vital voters.  A good guess might be that about 40% of the original buyers still live in their homes.   The SCCA Board had to continually reduce the number of voters to make a quorum.  Very few new residents who bought in the 90’s and 2000’s have been interested enough in the Campus and SCCA clubs and activities. 

The Board grew more powerful and more corrupt as less and less people challenged them.  They arbitrarily began to claim Sun City was a senior only community even though it was not. No one challenged them.  In 1997, the CC&R’s still permitted residents 18+ to live in the Core. The sacred seven (SCCA Board) began to worry that it might get discovered they were not a 55+ only community and decided to correct the situation. That is when Jean Roberge began "project 55" and illegally recorded with the County Recorder that the majority of the Residendeces voted to amend the CC&R’s to the age restriction of 55.  No one challenged her—not the county recorder’s office that had no reason to challenge her, not the titleholders who didn’t understand what she did, and not HUD, FHA, or the media, ever had the courage to challenge this illegal age restriction.  One man by the name of Doug Gibbs who sued the county and won.  SCCA claimed he lost. 

Who would have imagined way back then that just about every household would eventually own a PC, at least three vehicles, HDTV, two cell phones, and working on “living green.”  It is now the Twenty first century, and there are thousands of new homes built right to SCCA borders.  These homes are designed for today’s living styles with computer rooms, large walk in closets and master baths, three and four car garages, special wiring for cable, ceramic tile and hardwood floors, environmentally compatible, and best of all beautiful landscaping with green grass instead of rock and green painted rock.  Today’s home buyers want the benefits of these up to date amenities.  The new home builder’s feature them.  

It is like traveling in a time capsule when driving from one of the new communities into the Sun City Core.  The difference is immediately shocking.  Suddenly there are less trees, green grass is gone, and there is very little landscaping.  The roofs are composition instead of tile.  Many need painting, patching, and tender loving care.  Many more look as if the front door hasn’t been opened in ten years.  There are more single car ports and less garages, and the streets look abandoned—no walkers, no dogs, no children, no toys, no people, no interest, no love, no joy, no life.  It looks like a city of the living dead.  Sun City Core is a Hamlet unto itself in the center of its own imaginary universe it created 46 years ago. 

These are the ideas SCCA are still trying to enforce 50 years later without regard for the changes in life styles, new family neighborhoods built to the core’s borders,  increase of population, SCCA is now under governorship of the city of Menifee, todays' cost of living has risen by 40%and modern day cost of living, the need for older families to assist their younger families, and the fact the CC&R’s are obsolete. Though it appears they get away with it, much of SCCA’s actions have been illegal, That the 55+ only restriction was established illegally. The 55+ only restriction is a liability to the property values of SCCA Core. Except for invasion of senior privacy 55+ only fails to offer one senior benefit. It still fails to keep children from the senior only community as the residents enjoy abundant visits from their grandchildren which means those children hating residents still have to suffer children making noises of joy and happiness. 

SCCA continue to enforce CC&R’s.  It concerned itself less with titleholders’ rights and more with absolute control of titleholders.  It was so impressed with itself it posted signs all over Sun City saying “We enforce CC&R’s here.” Now, SCCA Board which is more interested in personal power than the highest and best interest of the residents of Sun City Core, wants to persist in keeping Sun City an illegal 55+ community, continue harassing people with obsolete CC&R’s, prevent the area from being upgraded and updated by permitting families to move into Sun city. 




Friday, April 11, 2014


Does Menifee Need 55+ SCCA Core In A Prime Menifee Location?

As a matter of fact, does SCCA need SCCA in any location?  What benefits do SCCA members get from SCCA? Now that Sun City is Menifee does SC Core really need duplication of three layers of CC&R’s—the County, the city and the 1000’s of SCCA CC&R’s?  As an SCCA member since 1998, I can honestly say I get no benefits from SCCA.  I do get a whole lot of liabilities!Del Web had a great idea way back in the mid ‘60’s when he developed Sun City, an adult only community.  That’s right.  You read it right—AN ADULT ONLY COMMUNITY—AGE 18+ not a 55+ community. (Sun City library used to have book about Sun City’s history. They might still have it.) It’s main source of government was a home owners association with an official list of abundant CC&R’s designed to control its members to what standards the SCCA Board believed they meant. (That was fifty years ago. )

The idea of HOA’s was new, untested, and misunderstood. It seemed like a good idea at the time. HOA’s sprung up everywhere then and today.  A lot has changed since then.  Everyone knows about the horrors of HOA’s. Menifee, an incorporated city didn’t exist then. One could consider SCCA served a valid purpose, then.  Now that Sun City has become Menifee, maybe SCCA has served its purpose and it is time to be dissolved. Menifee is a green and growing city as compared with the ripe and rotten Sun City Core. Menifee is stuck with a 50 year old obsolete, 55+SCCA Core of 4761 units that is now a designated blighted community in a prime location. The Riverside County Board of Supervisors designated Ordinance 885, Sun City Core a blighted area.  What that means to the rest of Menifee is that the SCCA Core depreciates the LOOK and property values of most of the Menifee properties bordering SCCA Core. 

A blighted area designation isn’t necessarily a negative.  It means people can apply for home improvement grants.  A simple drive through the Core will show that almost no one is taking advantage of those grants.   The reality is, that after 50 years of harassing members with various codes enforcement officers citing violations, being fined exorbitant amounts of money, and literally thousands of bitter, painful conflicts with the SCCA Boards and various bully-boy property management companies, Sun City Core  properties are still almost 30% to 50% below market value from the rest of Menifee. Sun City Core needs a major face lift.   Take a look. Sun City Core is tired looking. It is beginning to look like a deteriorated slum neighborhood.  Is this the shabby look that Menifee desires located in what could be Menifee’s magnificent center piece? Many old neighborhoods in the US look great in spite of their 50+ years.  They have gentrified.  SC Core could easily do the same.  The main reason SC Core fails to improve its image is because of the SCCA with all its restrictions literally stops growth.  (There are a few exceptions to this statement. Sadly not enough to make a significant difference). SCCA is actually a detriment to new growth, ideas, and change.  Deed and age restricted titles are the most inferior of all titles because their appreciation is limited to the HOA Boards control.  SCCA Core is ripe for gentrification.  There are plenty of families who would love to buy an old Del Web home to upgrade it to 2014 giving it another 50 years of life.  SCCA Board with its archaic restrictions to age, home improvements, and ridicules codes enforcement make it undesirable to do so.

What person in his right mind would want to invest in a deed restricted community that literally fights progress and has a board with a bully-boy property management company with its hands on your money whose abuse of power is so flagrant it can only be called tyranny!Now there are will be several groups in Menifee, SCCA who will strongly oppose my above statements. They claim there are abundant amenities and benefits members receive from SCCA.  Among their greatest achievements is the SCCA recreation center with two swimming pools, and rooms for hobbies and clubs.  Look at the bottom line.  SCCA has 4,762 residences that pay $297.00 per year in dues.  Out of that number only 10%--I repeat—only 10% actually use those facilities on a regular basis. That means 4286 residences are forced to pay $297 per year so only 476 members to enjoy the facilities.  Thus the minority rules the majority. Many, many members’, who tried to take advantage of the facilities, were rebuffed by the nasty and abusive cronies who regularly use the facility.  They also found the excessive rules and regulations that come with the use of the swimming pools offensive.  “Oh but what about the other benefits members get from SCCA” SCCA Board and its bully-boy property management claim. “WE enforce CC&R’s and maintain high property values.  As already explained above, we all know the proof of their lies about maintaining values is in reality.  So other than a 50 year recreation facility, what benefits do SCCA members receive for their nearly $300 per year dues.

However, the liabilities SCCA members and their non SCCA members suffer are many, abusive.   The only way to put an end to these tyrannical practices is to dissolve SCCA.  When I advocated dissolving SCCA way back in 2005, many bigoted members with political aspirations argued against it on the basis that all that was wrong with SCCA was the board of directors who had served far too long. They believed if some new were on the Board everything would be different and SCCA would become paradise.  The other reason they wanted to keep SCCA—especially the 55+ restriction—was to keep the “bad or low class element of people out of SCCA.”   They did put new people on the board.  They tried different management companies. After all was said and done, it became the same old bad situration.  Titleholders still have a DEED RESTRICTION INFERIOR TITLE. After all was said and done, the quality of life for  SCCAmembers hasn’t improved by a single item.  If anything with the latest new property management company AVALON, it has gotten even more abusive.They were wrong then and they are wrong today.  Fortunately the way Del Web designed Sun City without gates, it will be no problem at all to integrate an SCCA free community too Menifee.

If Menifee is to become the shining city on the hill to the pride and joy of all Menifee SCCA  must be dissolved. SCCA must not be restricted by age, archaic CC&R’s.  It is time for SCCA to fully integrate with the city of Menifee. It must be able to compete in a free market open to all.  It is a process called "gentrification". Only if the core becomes open, free of deed restrictions and competition will quality buyers who invest in SCCA Core properties and transform a "blighted area" into new and gorgeous historic Meinfee neighborhood. 





Monday, April 7, 2014


Sun City Was Never Designed To BE 55+ Only or

10 Strikes why senior only communities are a very bad idea


When Sun City, a non-gated community, was planned and built by Del Web, it was designed to be an adult only community of age 18+.  It remained so until “PROJECT 55” began around 2007 when Jean Roberge falsely filed a document with the country recorder claiming that members of SCCA received and voted on a ballot that members never received.  While the SCCA Board claim that never happened, they have never produced the ballot they claim the members received after repeated requests.  If the above statement is false, then let them prove by producing the ballot the ballot.  

Yes, idea of 55+ communities has become very popular in the last twenty five or so years. The senior only community brochures are gorgeous.  The life style the brochures present is retirement paradise.  The developers paid $100,000 plus to sell a dream.  The brochures have been psychologically designed to convince younger seniors their community offers a way of life they always desired but couldn’t afford.  The developers, at long last, created a life style that offers everything from security gates, swimming, golf, club houses for avid bridge and other board game players, arts & crafts, boating, horse back riding, minimum property up keep because the association does it all for an affordable price. They promise a home owners association (HOA) run by the titleholders.  Best of all is no little noisy skate boarding, basket ball bouncing brats will be seen or heard in this utopia!  Peace and quiet from the obnoxious noise of children! Free at last! Free at last. Who wouldn’t want to live in paradise?  

The brand new developments are seductively gorgeous from the outside.  Seniors are anxious to buy believing they will get all that paradise offers and a big appreciation on their investment, too.  The younger seniors are  and still full of vitality at the time they choose to buy into the community. They whole heartedly believe living in a deed restricted community will keep their property values up because the restrictions (aka CC&R’s) will keep their neighbors under control.  What they don’t realize is it is they who will be kept under control. After a few years they are miserable with the perpetual meetings, cronyism, conflicts, and letters notifying them of trivial violations. 

About 10% of titleholders living in any senior community think they are great. The rest regret having ever moved into an age restricted HOA.

Deed restricted senior communities are a net made of thousands of laws that diminish property owner’s Constitutional and legal rights. The thousands of laws are interpreted in an arbitrary manner by capricious HOA Boards, management companies, their attorneys, arbitrators and judges.  HOA’s, legally have their hands on titleholders’ pocket books and property. The way it exists today, titleholders have very little to almost no judicial recourse in the event of a dispute between members and the association. In the event of a conflict between a resident and the association, the dream turns into a nightmare.   The challenging member is in serious danger of non-judicial foreclosure.  That is just one of the reason deed restricted titles are inferior. Take a look at the hard reality. 

Strike One 

Most people retire on a fixed income that fails to increase as rapidly as the cost of living.  No matter how reasonable the monthly HOA dues are in the beginning, eventually it comes to a time they have to be raised.  They can be raised as much as 20% per year every year.  It doesn’t take too many years before the dues become exorbitant. Refusal or failure to pay these dues (no matter what the reason) will result in fines. The fine will be converted into liens which will lead to non judicial foreclosure upon a resident’s property. Even if the property is owned free and clear by the titleholder, if the dues remain unpaid, titleholders can be foreclosed upon. Fines for failure to pay dues are not the only fines that can be imposed. If the Board accuses a titleholder of failure to comply with one of the endless petty rules, whether or not it is so, the titleholder can be fined!  Illness or financial hardship is no excuse.  Failure to pay monthly dues or fines will ultimately lead to foreclosure.  By excessive fining of seniors temporarily living in assisted living facilities, they have legal cause for non judicial foreclosure upon the luckless senior.  How safe is senior’s investment? 

The power of non judicial foreclosure also exists in non senior deed restricted communities.  The difference is the titleholder’s are much younger, income is usually not fixed and the property isn’t going to be their last. 

Strike Two 

Deed restricted titles are inferior to all other titles.

“. . .it is not an “investment” in the financial sense, because it is not under the homeowner’s full control. . .

When you purchase in a common interest development you are banking on only one thing: marketability. . .” Villa Appalling,by Donie Vanitzian


When real estate markets go side ways, the first communities to suffer major depreciation are deed restricted senior communities. The last places for them to appreciate when the market returns in favor of sellers are deed restricted communities. They are a double whammy. 

a.     Deed restricted communities are less desirable and harder to market because of the excessive rules and the monthly HOA dues.

b.    It is more difficult to obtain loans because lenders want to access HOA Board minutes to assess the competency of the Board

c.     The buyers’ market for senior housing is reduced by 60% or more 

This means if a senior has to sell his home because he needs to go to an assisted living home, chances are it will sit vacant for a very long time.  If there is a mortgage on it, he may have trouble paying it, the HOA dues and the assisted living costs. Renting the unit would be the next best solution.  However, many of the communities have rental restrictions. That could make it impossible to rent the unit in hard times. That will definitely lead to non judicial foreclosure. 

Strike Three 

Senior only communities are magnets to predators! 

Senior communities have become the dumping ground of convicted pedophiles.  This is an automatic creation of a criminal society. 

Senior communities are visible crime targets and are among the most vulnerable in our population are the elderly. 55+ only communities concentrate a large population of elderly in one location.  The crudest thief knows how easy it is to break and enter a senior’s home. Some of them do it in broad day light with the senior home.  One thief detains the elder at the front door while the other breaks in the back!  Senior only communities have become a Mecca to the barracudas and sharks who know precisely how to survive and profit off helpless, needy seniors.  Where there is a senior only community, there is a swarm of flim/flam people, con artists, back stabbers, and cork twisters who can fleece a senior so smoothly, the person doesn’t even recognize he/she has been robbed. 

These vultures become self appointed care givers, pretend to be relatives, marry seniors, or simply pose as well intentioned do-gooders who ultimately get their hands on senior’s money and property. They use many tricks. They find seniors who have no known relatives or near by friends.  Senior communities are plagued with these bottom feeders lurking in the shadows.  Gates don’t stop thieves or scoundrels who prey upon the elderly. Thieves have no problem getting past gates. Often, it is the elderly who unwittingly invite them in.  Among this collection of ill intentioned smiling faces are HOA members and even some board members. 

Strike Four 

Seniors suffer the loss of privacy rights.  All privacy is gone once a buyer has taken possession of property in a senior community.  The HOA has the legal right under the Unruh Act to demand private information.  The titleholder must agree to show proof of age to the HOA Association prior to occupancy and every two years there after. The right to live and grow old was once sacred and private. Visitors and guests were once no one’s business but the titleholder.  Titleholders are required to give to the association the name and proof of age of a visitor who stays longer than a month. Titleholder’s children or grandchildren are only allowed to stay one month if they are younger than 55.   A doctor’s note must be obtained and presented to the association if a care giver younger than 55 is going to live in the residence.  Failure to comply will result in fines which will turn into liens which can lead to non judicial foreclosure upon the senior’s property.   

Strike Five 

Retirement communities interfere with the rights of families of helping their children in times of emergency or crisis.  Living in a 55+ only community restricts titleholders from allowing their children or grandchildren to live with them for longer than periods of one month should an emergency or crisis arise in the lives of their children.  In a case in one community, the grandchildren’s parents were killed in a car crash, the grandparents were not be permitted to let the grandchildren live with them. The HOA forced them to sell. 

d.    In today’s tough economic times seniors’ children may suffer serious economic set backs, and may need to move in with their families for awhile. If their children are under age 55, the HOA will forbid it claiming it is a violation on the Unruh Act 

e.     The family will be forced to sell or move out if it wants to raise its own grandchildren due to unexpected tragedy 

Strike Six 

As people in retirement communities age their interest in voting wanes.

The majority of first buyers in newly built senior communities are in their mid fifties to early sixties. They still feel as if they can conquer the world and have time for a swim or game of golf.   They are planning this purchase to be until death do them part.  This means in twenty five years from the time the community is totally sold, the majority of the community population will be seventy five to eighty years old.  Aging doesn’t come alone.

Health problems in older adults cause slower reaction time, reduced vision and hearing, impaired body movement, and slower decision making.  Health condition such as glaucoma, arthritis, stroke, Alzheimer’s disease, etc.. . . California DMV Driver’s Hand Book 

Because of this natural aging process, seniors’ focus change from objective to subjective. At age 85 going on 90, they are now more concerned with living through another day with out pain, or crisis. Will they get their meds in time or have enough money to pay for them. Seniors become apathetic, lose interest in community activities. All the senior clubs and activities have dwindled down.  Most of the clubs are lucky if 10% of the members participate. Consequently the introduction of new ideas, understanding of current events, changing systems, computers and new technology, staying informed and up to date is often lost upon the majority senior population of the now very old community. Ultimately it is very difficult for senior associations to even get a quorum for required voting.  The voters often don’t realize the issues for which they are voting in favor are not in their best interest, against their own rights, and often illegal.  

When the majority of the community’s population has become too old to understand, it is not very difficult for a handful of younger and more alert senior members with hidden agendas to grab power and control the rest of community. This is the perfect blue print for power hungry, unethical people to create malevolent HOA Boards. Often Boards and their property management companies are acting illegally and the titleholders don’t even know it.  Because of the lack of any specified requirements to serve on the board, quite often the board doesn’t even know when it is acting illegally. 

Strike Seven 

Quite often, the people who serve on the boards are unqualified and unscrupulous. 

When criminal liability is not charged against the “criminals” in an association, then the titleholders become the Human Capital used to fund the criminal activities and wrong doing.”  D. Vanitzian author of Villa Appalling, Destroying the Myth of Affordable Living 

Under current legal system there are absolutely no criteria or qualifications for people to serve on HOA Boards.  This means any one who is popular enough with the association members can be and usually is elected to the Board. Many of those who serve on these boards never even graduated high school.  Since the average titleholder has no past experience in serving on the Board, this means the average HOA Board has no experience.  This is where it gets frightening.  The inexperienced board has its iron clad grip on the titleholders’ money! 

“Titleholders fund the excesses of errant boards and their errant third party vendors and agents because the California laws have no meaningful incentive for deference of such crimes when they occur in residential common interest development.”  D. Vanitzian (author of Villa Appalling, Destroying the Myth of Affordable Living )

Strike Eight 

Board members receive benefits at the price of the titleholders. Many buyers of deed restricted properties don’t understand the negative affects of HOA boards.  They like the idea of an association governing the community in which they plan to live. They mistakenly believe it controls their neighbors and thus keeps up property values.  

Another myth some titleholders believe is because the Board members are all volunteers they receive no remuneration or reward, they are above reproach. Any titleholder who believes that needs to take a second look to understand why people so selflessly volunteer.  

“What of the board director who does not receive a "financial benefit" for his services on the board?  There are also non-economic benefits for being a director.  In one such situation a board director was known to "get off" by signing his name as the association's C.E.O.  This allowed him to represent himself to the outside world as a "somebody" where he would have otherwise been a "nobody."  Playing C.E.O. and receiving the non-economic benefits of "recognition" accolades, plaques, applause, and the like, are no different than the $15.00 haircut.  Why?  Because they deprive the titleholders of full advantage of the corporate protocol at the expense of an inept board director who has nothing better to do than waste his position on the board and misuse authority => for no other reason than "he can." [FN1] The same can be said for the board director who is a "yes man" to a management company or association advisors.  Actions like these should be considered a WASTE of corporate assets--the assets being valuable time lost that cannot be regained at any cost due to the connivance individuals merely sitting on the board of directors because it makes him/them feel important or boosts their collective egos.  Doing "nothing" but sucking up to vendors is also costly and it is a breach of the board's fiduciary duty to every owner who has an interest in property and whose assets are at risk in that development. [FN1] 

Board directors are supposed to be independent thinking decision makers.  Playing "follow the leader" is a breach of duty, especially when the "leader" is a board director beholden to a vendor with a contract at that association.  It is also a breach of duty to "follow" third party vendors AS IF they are leaders, and to do the same with management companies, their personnel, association advisors, or managers in general places the association and all its titleholders at risk. The board's duty is to supervise and oversee every such entity without fail and to NOT follow them to the grave or jail, whichever the case may be.  Yet at the same time, every board of directors are vested with the authority to, in a sense, criminalize and punish the behavior and actions of their neighbors who own property and reside under the same corporate umbrella that the board director controls.” [FN1]  Donie Vanitzian, author of Villa Appalling, Destroying the Myth of Affordable Living 

Strike Nine 

Opposing information about vital HOA issues is never  available. Titleholders need as much information as possible to remain informed and make objective choices and decisions. Pro and con facts are vital in decision making. The unwritten HOA rule is the only information titleholders receive about their HOA is from the Board or its property management company.  Such information is biased and incomplete.  There is no opposing information to show consequences, possible liabilities, negative affects upon the titleholder, or any other price it may cost the titleholder.  This limits the members’ ability to vote objectively. 

In spite of flagrant wrong doings by association boards, the local news papers have an indifferent attitude towards titleholders’ problems and either refuse to do stories about them or write stories in favor of the boards.  They never take on the belly of the issues straight forward.  

Strike Ten 

 It is psychologically unhealthy for elderly people to see only elderly  people. Senior only communities segregate elders from the main stream of life. They isolate them and minimize their sense of value to their community.  There is little for them to do in the running of their communities.  The property management company and the board retain all the control. It’s indirectly telling senior titleholders they are no longer needed.  So they can be put to pasture.  It is well known that the majority of people die within six months to a year of retirement because their sense of value in life been lost.  

Any health care person trained to work with the elderly will admit the worst experience for a healthy senior is to remain in the constant company of other seniors.  The continued sight of only other elderly people is a mirror of their own aging and an unconscious reminder death is near.  The unconscious thought of near future death reduces the enthusiasm for the quality of life. Often elderly people have difficulty getting along with one another.  They can’t stand the site of other aging people.   

It is unsafe to only have elderly neighbors.  Senior only communities are unhealthy communities. Neighbors need to look out for one another.  Often seniors become isolated.  If a senior has a fall or is in need of assistance, chances are neither neighbor will hear nor be aware of the problem. If they are, they might be unable to help. Either neighbor is approximately the same age and is also suffering with his/her own health problems. If an occasional favor or errand is needed like picking something up at the store, bringing in the newspaper, or taking out the trash there is no neighbor capable of doing so.  They either never talk to their neighbors or continuously fight with them.  Often mean spirited titleholders use the board as a whip against their neighbors continually reporting them for any and every infraction of rules they can. Having to constantly deal with so called codes compliance people destroys a seniors’ quiet enjoyment of his own home and punishes the titleholder with excessive stress. This misery between neighbors is miserable enough for non seniors.  It is pure hell for the elderly. They need to enjoy their spoonful of years. 

These communities are the bane of America today! They have undermined the very foundation of American’s private property rights and Constitutional rights. They have demeaned the elderly.  Personally, I think every developer who builds a senior community or any kind of deed restricted community should be tried for treason. The Department of Real Estate has failed big time to properly protect the consumer. The lawyers who have turned representing HOA’s and property management companies into a major industry should be disbarred. The Judges who rule in favor of the HOA Boards against the home owner, need to go back to school and studies the Constitution and Ethics then tried for treason.  

This article is based upon ten years of experience and research the governing laws of deed restricted communities, the problems, issues of other deed restricted communities,  living, and being a titleholder for over ten years in two 55+  HOA communities.  If you want more information and are connected to the inter net the following web sites have abundant information about horrors of deed restricted communities;,, and Two of the best written books on this subject are Villa Appalling, Destroying the Myth of Affordable Living and California Common Interest Development—Home Owner’s Guide by Donie Vanitzian


By Therese Daniels © April 19, 2008





Saturday, April 5, 2014

Do CC&R's Really Maintain High Market Value or Are They Clubs to Bash You

CC&R's are a collection of trivial laws.  Laws are designed as tools to control HOA members under the delusion such control keeps up property values.  CC&R's are tools, traps, hooks, nets, and clubs that justify  bully-boy property management companies authorized by their HOA Boards to control you with the constant threat of fines for debatable violations. The CC&R's of any HOA are specifically designed so abundantly that it is impossible for any member not to be in violation of one or more of the HOA CC&R.  That way they have power over each and every member to use or abuse at their will when they choose to target a member for whatever real or imagined reason.

Supporters of this practice want you to believe it is a great idea to control your neighbor imagining themselves so perfect they will never become a victim of a malicious board.  However, what they don't tell you is that these tools are almost never used objectively.  HOA Boards use them in a retaliatory practice. They subjectively and maliciously target members who oppose or challenge them.  Often or almost always board members are themselves in violation of CC&R's but are forgiven because of the security of their position.

The last thing a property management company desires is an HOA with no violations by any of its members.  There simply is no profit for them in a perfectly compliant membership.  The second item a property management company does not want is an INFORMED MEMBERSHIP.  Knowledge empowers a membership and diminishes the control of their boards and useless property management company.  Therefore it is in your highest and best interest to become informed and remain informed.