Video & Transcript Research : 'Texas Estates Code'
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TX
Transcript Highlights:
- AGC Texas Building Branch for SJR 59.
- Texas manufacturing jobs are expanding rapidly.
- rights in Texas.
- Fund and the Texas University Fund.
- Fund and the Texas University Fund.
Summary:
The committee heard and discussed several higher education and public school bills. Senator Burwell presented SB 1242 to remove an outdated Coordinating Board approval requirement for Texas State Technical College land and facility acquisitions, and SJR 59 to create a constitutionally dedicated endowment for TSTC capital needs; both drew strong support from industry and workforce groups and were left pending. SB 757, by Senator Middleton, would create a debt-to-earnings accountability system for public college programs, with supporters saying it would protect students from low-value degrees and opponents warning it could unfairly penalize programs with long-term value, especially graduate, medical, and public service fields; it was also left pending. SB 1241, by Senator Millington, would expand acceptable college entrance exams beyond the SAT and ACT, including the Classic Learning Test, and was left pending after testimony from CLT, homeschool, and student groups in support. SB 1085, by Senator Blanco, would let Sul Ross State University offer lower-division courses at its satellite campuses in the Middle Rio Grande region; it too was left pending.
The committee then took up a series of public school and higher education measures, voting several out favorably. SB 605, as substituted, limits commissioner approval of charter school expansion amendments for schools under conservatorship or a management team and was reported favorably 9-0. SB 1871 and SB 1873, both by Senator Perry, were revised to narrow teacher immunity, clarify removal and suspension procedures, require periodic review of in-school suspension placements, and align discipline rules; both substitutes were adopted and reported favorably. SB 1872, SB 1874, SB 762, SB 1962, SB 1750, SB 2252, SB 2253, SB 2365, SB 1924, and SB 37 were also considered, with most reported favorably on party-line or near-unanimous votes. SB 1750 would replace a flat charter school facilities funding cap with an attendance-based formula; SB 2252 and SB 2253 address kindergarten readiness, early literacy/numeracy, and educator preparation; SB 2365 concerns student phone use during instructional time; SB 1924 restores local citation authority for certain school offenses and adds reporting, notice, and completion requirements; and SB 37 would expand state oversight of higher education curriculum, governance, faculty senates, and compliance with state law.
Other measures heard included SB 769, which would require a Coordinating Board report on barriers faced by students with disabilities in higher education; supporters emphasized the need for better data and accessibility, while witnesses suggested broader reporting on race, disability types, and K-12-to-college transitions. SB 2231 would designate a Free College Application Week in October and was left pending. SB 1878 would modernize the Josie School statute and provide formula funding and aid eligibility for Polytechnic College. SB 1409 would authorize universities to offer self-funded student health benefit plans, with Rice University and Texas 2036 supporting the measure as a way to lower costs and expand coverage. SB 2431 would require universities to give foreign language credit for study abroad programs, SB 2314 would require schools to inform students about opting in or out of record sharing for direct admissions through My Texas Future, and SB 2138 would extend the state’s anti-ESG contracting restrictions to public higher education endowments and governing boards; these later bills were introduced and left pending.
TX
Transcript Highlights:
- Education Code, also known as recapture districts.
- Insurance Code.
- We have a big shortage of officials in Texas. If we don't...
- We have a big shortage of officials in Texas.
- And that just doesn't seem like the right thing for Texas.
Summary:
The Committee on Education K-16 heard testimony on SB 1635, which would give certain coastal, recapture-paying school districts a credit against recapture payments for mandatory windstorm and hail insurance costs. Senator Hinojosa said the bill is intended to offset unusually high insurance expenses for districts in Tier 1 or Tier 2 coastal zones, and he estimated about a $12 million impact to state revenue. Witnesses from Port Aransas ISD and Gregory-Portland ISD described sharp premium increases, reduced coverage, higher deductibles, and the effect on teacher pay and classroom spending. Senators asked about the number of affected districts, the accuracy of the fiscal estimate, and whether the bill might encourage districts to maintain coverage. Public testimony was closed and SB 1635 was left pending.
The committee then took up several other bills and committee substitutes, adopting and reporting favorably SB 2786, SB 2623, SB 646, SB 843, SB 2392, SB 1998, SB 1418, SB 2788, and SB 2076, with most votes unanimous or near-unanimous. SB 2392 was amended to add improper relationship between educator and student to mandatory reporting offenses and to authorize an attorney general civil penalty for failure to report. SB 2623 was revised to clarify duties and exemptions related to the Safe Schools and Neighborhood Task Force and school proximity restrictions. SB 843 would create a TEA database of school district bonds and related projects, and SB 2788 would exempt certain PSAT scorers from the Texas Success Initiative assessment.
The committee also heard SB 2929, which would allow referees and other officials at school athletic events to immediately eject disruptive spectators. The Texas Association of Sports Officials testified in support, citing abusive spectator behavior and a shortage of officials. SB 2929 was left pending. Finally, the committee heard a substitute for SB 2927 on 1882 partnerships and a substitute for SB 2619, which would require more transparency and accountability for failing school districts, superintendent hiring, trustee training, and takeover timelines. Testimony on SB 2619 was mixed, with one witness from Texas 2036 supporting parts of the bill’s accountability provisions. The committee adopted the substitute for SB 2619, left it pending, and then recessed subject to the call of the chair.
TX
Transcript Highlights:
- TPDES permits are developed under Chapter 26 of the Texas Water Code, which authorizes TCEQ to set requirements
- And I think you referenced Section 16.012 of the Texas Water Code.
- When I And I think you referenced Section 16.012 of the Texas Water Code.
- Thank you. of the code.
- We own a legacy Texas West Texas ranch.
NJ
New Jersey 2026-2027 Regular Session
Senate Budget and Appropriations Jun 4th, 2026
Senate Budget and Appropriations
Transcript Highlights:
- Senate Bill 4219 revises continuing education requirements for real estate licensees and regulation of
- certain real estate continuing education providers, instructors, and courses.
- The proposed amendments to the bill would remove language exempting certain real estate schools from
- the requirement that a school's directors be licensed as a real estate instructor and approved by the
- Roughly 15 years ago, we passed CE legislation for the first time in New Jersey for real estate agents
TX
Transcript Highlights:
- We're currently undergoing rule-making for Title 30 of the Texas Administrative Code Chapter 328, Waste
- We're housed within the Texas Department of Insurance and serve as the fire code authority in approximately
- The Texas Department of Insurance and serve as the fire code authority in approximately two-thirds of
- the Texas counties, primarily in areas without a local adopted fire code or a fire code official.
- The growth in energy power that's happening in Texas seems to be on the backs of rural Texas.
TX
Transcript Highlights:
- I'm also a municipal court judge and Texas magistrate.
- of forensic science in Texas.
- I'm with the Texas Public Policy Foundation.
- My name is Amber McCrae, and I'm the Director of Outreach for Street Grace, Texas.
- We have offices in five states, including right here in Texas.
Summary:
The Committee on Criminal Jurisprudence met with a quorum and heard a series of Senate bills, generally receiving sponsor explanations and, in most cases, no public testimony. SB 2595 would create a Class B misdemeanor for harassing, threatening, or intimidating someone while intentionally concealing identity with a mask, with broad affirmative defenses for legitimate mask use; SB 1980 would increase penalties for assaulting peace officers, parole officers, and community supervision officers and add related presumptions and interference protections; and SB 1896 would require magistrates to issue emergency protective orders in certain family violence, sexual assault, stalking, and aggravated cases, with law enforcement required to provide needed information. All three were left pending. The committee also heard SB 955, which increases trafficking of persons from a second-degree to a first-degree felony when the victim was recruited from a correctional facility, and SB 614, which would let the Texas Forensic Science Commission refer dismissed complaints to the Office of Capital and Forensic Writs when they reference a prior FSC report; both were left pending.
Members then heard several forensic and criminal procedure bills. SB 1372 would resolve a discovery/access conflict involving the DPS crime lab portal by limiting portal access to defense attorneys rather than defendants directly, prompting questions from members about access for pro se defendants; DPS’s chief crime lab witness testified neutrally. SB 1936 would change the LSD “abuse unit” definition for unmarked/unperforated paper from a square-measurement method to a 10-milligram weight standard, and SB 1937 would require a subject matter expert from the testing lab to participate in pretrial meetings in capital cases involving biological evidence to help identify viable testing and conserve resources. SB 2580 would lower the population threshold for sheriff’s departments to independently use tracking equipment and access certain communications from 3.3 million to 500,000, expanding the authority beyond Harris County; it was described as a public safety and emergency response measure and left pending.
The committee also considered SB 2798, which would extend the statute of limitations for certain financial crimes from three years to seven years, with testimony from a Montgomery County assistant district attorney supporting the change because fraud is often discovered late. SB 1099 would increase penalties for felony offenses committed by undocumented or unauthorized aliens, but drew strong opposition from the Texas Civil Rights Project, which argued immigration is a federal matter and that the bill would create difficult and potentially unfair status determinations for local courts; members raised concerns about the lack of an expert-testimony requirement. SB 1278 would create an affirmative defense to prostitution prosecution for trafficking victims compelled by their traffickers to commit the conduct, and testimony from advocates and a member’s personal account emphasized the coercive, traumatic nature of trafficking; members discussed whether the defense should be narrower or framed as mitigation, and the bill was left pending. Finally, SB 127 would extend the statute of limitations for failure to report or conceal child abuse, with members discussing mandatory reporting duties and the need to allow more time for delayed discovery of cover-ups; it too was left pending before the committee adjourned.
TX
Transcript Highlights:
- Um, uh, my name is Mike Moath, commissioner of the Texas Education Agency.
- There's a $23 million initiative for uh Texas Strategic Leadership.
- Um, uh, is, is governed by chapter 37 of the Education code.
- And do private schools follow the Texas Education code?
- I can't remember if it's in the Family code or the education code, but there are, there are laws that
TX
Transcript Highlights:
- This clarification law is consistent with the current tax code applicable to broadcasting and live and
- So whether that is the health and safety code related to mental health supports or that is the um.
- Uh, howdy, uh, James Holomec with the Texas State Teachers Association.
- the safety of our schools and protecting Texas students and educators.
- Texas Plan 2, that's known as JRS 2.
MN
Transcript Highlights:
- Um, I know Texas has the highest recorded rate of Medicaid fraud.
- And I do have colleagues in Texas. Um, I also know that Florida is very high.
- Um, I know Texas has the highest recorded rate of Medicaid fraud.
- Um, I know Texas has the highest issues.
- Um, I also do have colleagues in Texas.
TX
Transcript Highlights:
- The students of Texas deserve it.
- We'll have the Catholic Conference of Bishops up in the Texas Private School Association, and the Texas
- There are thousands of families in Texas that are. of families in Texas that are low income or middle
- But I'm here today to share with you that the time is now for the Texas Senate and the Texas House to
- school located in Magnolia, Texas.
Bills:
SB 2
CA
California 2025-2026 Regular Session
Assembly Local Government Committee Jul 1st, 2026
Local Government
Transcript Highlights:
- Under Government Code, currently these items require a four-fifths vote of the board.
- I'm an Eaton Canyon survivor, a local real estate agent invested in my community.
- I'm an Eden Canyon survivor, a local real estate agent invested in my community.
- Senate Bill 1274 creates a new definition in state code to legitimize industrial cities.
- This code section was set in 2019 by Senator Wolk's bill, SB 13.
HI
Transcript Highlights:
- Real Estate Commission with comments. Good morning, Chair, Vice Chair, members.
- Estate Commission with comments<00:27:40.039>
morning <00:27:40.519>chair <00:27:40.840 - of Derek man and the Real Estate of Derek man and the Real Estate Commission<00:27:45.480>
will - <00:32:07.320>
subset totally different real estate subset totally different real estate subset - Same thing for the zoning code: you still got to comply with it even if you don't need a permit.
Summary:
The House Committee on Housing held a public hearing on several bills. HB 576, relating to restrictions on the transfer of real property under chapter 201H, drew support from HHFDC and the Department of Hawaiian Home Lands, which said the bill would waive transfer restrictions that conflict with DHHL’s program implementation. HB 421, relating to contractors, drew opposition from the Contractors License Board and DCCA/RICO, who said the measure would weaken owner-builder restrictions meant to prevent circumvention of contractor licensing laws; Hawaii Roter and the Grassroot Institute supported it. Members questioned whether the bill would still bar resale within a year and whether subcontractors would still need licenses. HB 367, relating to building permits, received support from the Hawaii Farm Bureau and Grassroot Institute, with comments from DLNR; testimony urged the bill to be expanded to include zoning permits as well as building permits to avoid confusion, especially on Kauaʻi.
HB 826, relating to housing, received mixed testimony. HHFDC and several local and advocacy groups supported it, while the Sierra Club raised concerns about converting agricultural lands to residential use, possible impacts on food security, property values, taxes, and the need to account for public trust and traditional practices. HB 525 also drew support from HHFDC and three individuals, with no opposition noted. HB 252, relating to managing agents, was supported by the Hawaiʻi Council of Community Associations and opposed by the Community Associations Institute and several individuals, who argued that commercial management experience is not the same as condominium management and preferred language tied to industry certifications and a later effective date.
HB 709, relating to trespassing, was opposed by the Honolulu Police Department, which said officers would have difficulty verifying ownership or tenancy in the field, that the bill could require a separate enforcement team, and that the sheriff’s division is better suited to handle evictions. Hawaiʻi Realtors and the Grassroot Institute supported the measure. Finally, HB 431 HD1, relating to housing, received broad support from the Hawaiʻi State Council on Developmental Disabilities, HHFDC, DHS, the Statewide Office on Homelessness and Housing Solutions, OHA, county housing offices, and multiple nonprofit and political groups. Supporters emphasized the bill’s funding for housing and supportive services, with the homelessness office describing the measure as unprecedented and saying it could help the state cut homelessness in half over the next few years.
TX
Transcript Highlights:
- To be clear, everybody lost something that day, including Texas. And I've Including Texas.
- The Texas Rangers took over.
- Isn't that required by the Texas Administrative Code?
- The outrage of potentially Texas... ...outrage of potentially Texas saying, it's okay.
- How could people of the state of Texas trust that?
MN
Transcript Highlights:
- additional visits from a code official additional visits from a code official the<00:14:42.759><
- I know a lot of people say it's code enforcement.
- has a statewide building code.
- Texas did change.
- I don't know the specifics of Texas, but I do know that that was the reason that Texas did enact it:
Summary:
The Senate Labor Committee heard Senate File 560, a bill to require the Commissioner of Labor and Industry to establish a cost-per-square-foot valuation for residential building permits. Senator Dornink said the measure is intended to make permit fees more fair, reasonable, transparent, and predictable, and to reduce housing costs by limiting large differences in permit fees between municipalities. He said the bill would be sent to the Housing Committee without recommendation, and members discussed but did not act on a related amendment that would have shifted plan review and inspection fees to hourly and trip-based charges and made fee information publicly available.
Testimony from Housing First Minnesota supported the bill’s goal, arguing that Minnesota’s housing shortage and high new-home prices make it important to reduce inefficiencies in the permitting system. The witness said permit valuations are often increased by cities, leading to higher costs for homebuyers, and cited examples of large fee differences between municipalities and claims of overcollection. He said some other states, including Texas and Wisconsin communities, use square-footage-based approaches. A League of Minnesota Cities representative opposed the amendment language and cautioned that trip charges and hourly billing would make fees less certain, could raise costs, and would be especially burdensome in Greater Minnesota; he said current valuation-based fees better reflect the actual cost and complexity of service and can be appealed if disputed.
A representative of the Association of Minnesota Building Officials also raised concerns about the amendment, saying building departments provide consultations, inspections, plan review, and other services beyond a single trip, and that trip charges would not fit a responsive fee-for-service model. He said the current valuation system helps cover the full range of permitting work, though he acknowledged that a consistent square-foot valuation standard could improve transparency and reduce disputes over project value. Committee members asked about other states’ approaches and the scope of the bill, and the discussion emphasized that the proposal applies to one- and two-family dwellings.
TX
Transcript Highlights:
- the state of Texas.
- Our statutory authority is in chapter 36 of the Human Resources Code, the Texas Health Care Program Fraud
- We took a look at the Texas Administrative Code, the TAC, and based on publicly available data, looking
- Medicaid beneficiary IDs to see if there's beneficiary sharing in Medicaid, they can code the Texas Unified
- Texas Health Services Authority was established in 2007 under Chapter 182 of the Health and Safety Code
Summary:
The Senate Committee on Health and Human Services convened to discuss interim charges regarding fraud, waste, and abuse in Texas human services, particularly focusing on Medicaid and childcare programs. The meeting highlighted the importance of preventing misuse of taxpayer funds, with testimony from various stakeholders emphasizing the need for increased oversight and accountability in these programs. Key points included the alarming rise in healthcare fraud in other states, the necessity for Texas to enhance its fraud prevention measures, and the potential financial repercussions of failing to meet federal compliance standards.
Several committee members expressed concerns about the impact of fraud on vulnerable populations, particularly those relying on Medicaid services. Testimonies from experts underscored the effectiveness of Texas's Office of Inspector General (OIG) in combating fraud, yet pointed out existing vulnerabilities, such as inconsistent enforcement and the need for better data sharing among agencies. The discussion also touched on the challenges faced by hospice care providers, with a significant increase in the number of hospices in Texas raising concerns about quality and oversight.
The committee heard from various witnesses, including representatives from health plans and advocacy organizations, who provided insights into the complexities of managing Medicaid and the importance of maintaining program integrity. The meeting concluded with a commitment to further explore legislative solutions to enhance oversight and ensure that resources are directed to those in genuine need.
TX
Transcript Highlights:
- vote in Texas?
- vote in Texas?
- Texas Government Code Chapter 552 and Texas Election Code Sections 1.012 and 18.66 say the door to election
- That loss of transparency conflicts with the Texas Election Code, Section 122.001A10, which requires
- Across the Texas Election Code, certain election processes overlap, leading to inefficiencies and potential
FL
Transcript Highlights:
- Florida Building Code.
- The Florida Building Code works.
- The Florida building code.
- “Coast and a lot of those older homes were built to either lower wind codes, no wind codes, and at sea
- And on to...” coast and a lot of those older homes were built to either lower wind codes, no wind codes
Summary:
The Banking and Insurance Committee heard a series of presentations focused on mitigation, flood and wind resilience, and insurance discounts. Kevin Guthrie of the Florida Division of Emergency Management outlined several funding streams for mitigation, including federal Hazard Mitigation Grant Program dollars, BRIC grants, flood mitigation assistance, and the state hurricane loss mitigation program. He emphasized the new Elevate Florida initiative, which will use about $400 million initially to elevate or reconstruct flood-prone homes, starting with National Flood Insurance Program properties and severe repetitive-loss homes, with no current per-home cap. Guthrie said the state will contract directly with licensed vendors and aims to reduce future flood losses, lower insurance costs, and keep properties on the tax rolls rather than relying on buyouts.
Insurance Commissioner Mike Yaworski described Florida’s windstorm mitigation discount program, explaining that the 1802 inspection form is used to assess a home’s overall “envelope” and determine statutory discounts. He said the office is updating the program based on a new wind loss study, with likely changes including greater recognition of roof types such as metal roofs and possible territorial risk adjustments. He also said the Legislature now requires the office to revisit the study every five years. Stephen Fielder of the Department of Financial Services reported on My Safe Florida Home, noting that the program offers inspections and grants for roof and opening protections, has completed more than 100,000 inspections, and has reimbursed hundreds of millions of dollars. He said the department has validated its discount calculations with insurers and that the program is intended to help homeowners reduce premiums through verified mitigation work.
Michael Newman of the Insurance Institute for Business and Home Safety said Florida’s building code is nationally leading and that post-Ian surveys found no wind-driven structural damage in buildings built after adoption of the code. He argued that mitigation should be treated as a system, not isolated upgrades, and suggested adding Fortified designation to the state’s mitigation form to better document verified resilience improvements. Bill Truex, a county commissioner and builder, stressed the need to educate homeowners about floodproofing and roof choices, citing examples where flood panels prevented damage and noting that asphalt shingles often do not last as long in Florida as their marketing suggests. In panel discussion, senators asked about program eligibility, outreach to elderly and digitally challenged residents, contractor vetting, roof-life disclosures, and whether flood insurance should be more broadly required. Officials said outreach will include call centers and in-person assistance, and several participants urged better consumer disclosure and more data-driven guidance on roof and mitigation choices.
MA
Massachusetts 2025-2026 Regular Session
Correctional Consolidation and Collaboration Jun 21st, 2026 at 11:00 am
Transcript Highlights:
- We are responsible for a variety of things, from fundamental real estate.
- We also handle real estate transactions on behalf of most of state government.
- Since 1989, when the ADA was adopted, it's been a code requirement to pay attention to those things.
- Other code requirements also are triggered by the level of investment you make in a building relative
- Because we've spent all that money, we now realize we've passed a series of code thresholds that mean
Summary:
The Special Commission on Correctional Consolidation and Collaboration met on October 17 with members attending in person and virtually. The commission approved the September 15 minutes and then heard a detailed presentation from DCAM Commissioner Adam Bakey on the correctional facilities portfolio, including the age and condition of DOC and sheriff facilities, deferred maintenance, ADA compliance, decarbonization mandates, and how capital funding is allocated. Bakey said the correctional portfolio includes 36 facilities, with average ages over 50 years, and described how older, rapidly built facilities from the tough-on-crime era now face significant maintenance and replacement needs. He also explained the distinction between catch-up deferred maintenance and ongoing keep-up needs, and noted that construction costs and code thresholds have made projects more expensive.
Commissioners and sheriffs asked about ADA requirements, aging and overcrowded facilities, hazardous materials, parts availability for obsolete systems, plumbing and health risks, and whether a newer, more modern correctional facility should be considered. Bakey said many projects trigger broader code upgrades, that some dormant facilities remain in the portfolio, and that health-care and correctional construction are among the most expensive building types. He outlined current funding, including annual deferred maintenance allocations for DOC and formula-based five-year commitments for sheriffs, plus a new competitive capital program for larger sheriff projects. He also explained the Designer Selection Board and “house doctor” process used to procure architects and engineers.
The commission then shifted to planning its next steps, focusing on public input. Members agreed the next meeting should likely be a public hearing or include public testimony, with possible input from people with lived experience and consideration of facility tours, especially of women’s facilities such as Framingham. Members emphasized the need to define the commission’s scope clearly so testimony stays focused on structural and consolidation issues rather than all correctional policy topics. The meeting ended with plans for the co-chairs to coordinate the public process and a motion to adjourn, which passed without opposition.
FL
Transcript Highlights:
- engineer, to report that to the local building department and/or the local unsafe structure or the code
- If it is a code enforcement officer or it is unsafe structures, they have the same requirement in the
- officials, is how will this benefit our code approach, i.e., how can we make the code better?
- Remembering that the codes are minimums, not maximums, and how can we put more emphasis on certain areas
- Bill Hughes, research director for the Bergstrom Real Estate Center at the University of Florida.
Summary:
The Committee on Regulated Industries met for a panel discussion on current issues affecting Florida condominiums. DBPR Secretary Melanie Griffin highlighted the department’s expanded condo education, complaint, and ombudsman services under HB 1021, including new online resources, board member certification, increased outreach, and broader complaint jurisdiction. She said the division has filled most of its new positions and that the new condo website is intended to improve transparency and access to records and information.
Other panelists focused on insurance, inspections, and market impacts. Insurance agent Mike Clarkson said the condo insurance market remains difficult, especially for older buildings, and raised concerns about roof replacement demands, Citizens’ depopulation practices, and the mismatch between reserve studies and insurer timelines. Building officials representative Ron Laceca described challenges with phase one and phase two inspections, including incomplete databases, limited contractor capacity, and the need for local flexibility and better recordkeeping. University of Florida researcher Bill Hughes said his data show the condo market has not suffered a major overall decline from the new laws; he argued the rules have made costs more transparent and may strengthen the market over time.
Community association manager Jamie Ballard said the biggest pressures on associations are rising insurance costs and early roof replacement requirements, and she supported board certification while opposing the continuing education exemption for long-tenured CAMs. In committee discussion, members pressed witnesses on whether recent condo laws caused insurance and roof-cost problems, and witnesses generally said those issues are driven more by the market than by the legislation. Senators also discussed possible reforms, including better data collection, clearer reporting duties for managers, and possible changes to insurance and reserve practices. No votes were taken, and the meeting ended with adjournment.
CA
California 2025-2026 Regular Session
Assembly Housing and Community Development Committee Jun 24th, 2026
Housing and Community Development
Transcript Highlights:
- The Government Code refers to site improvements as a potential or actual governmental constraint that
- Bay-Murie, local real estate developer of all different housing types, here in strong support and really
- Which is when the federal government formalized their manufactured housing code. Yeah.
- The Department of Real Estate reports that 99% of all new housing construction create an HOA.
- The Department of Real Estate reports that 99% of all new housing construction create an HOA to offset