One mistake I see when buyers look at patio homes: They treat the HOA fee like it’s just an added expense. The better question is: What is that fee replacing? Lawn care? Snow removal? Exterior maintenance? Insurance coverage? For example — my own HOA (not a patio home) is $105/month. That sounds high… until you realize it includes high-speed internet and cable TV. A friend recently told me they pay $75 just for internet alone. When you compare what’s included, the math can look very different. T