In this episode, Shelly and Kyle sit down with HOA attorney Kelly Elmore from KSN Law to pull back the curtain on how homeowners associations really work. From understanding how your HOA decides what’s included (and what’s not), to the truth about fines, restrictions, and those confusing rules—we’re diving into it all. Kelly also breaks down the fine line between convenience and restriction, and how AI could soon change the way homeowners navigate those long, complicated HOA documents. Whether you live in an HOA-controlled neighborhood or are just curious, this episode is packed with insights you won’t want to miss.Thank You to F.C. Tucker Carmel for allowing us to film and record our podcast.Contact for more infoShelly Walters F.C. Tucker(317) 201-2601shelly@shellywalters.comKyle Morris F.C. Tucker(317) 649-5122kyle.morris@talktotucker.comKelly Elmore KSN LawHave someone you want to see on the podcast or have any comments or concerns contact Raquel Walters Raquel@shellywalters.com