My biggest issue is that the townhouse is among the first of 30-ish scheduled to be built as a small neighborhood near a golf course. Project completion is projected at two years, and my fear is that we have another economic downturn and I'm stuck living in half-finished HOA. Am I unnecessarily paranoid, or crazy to buy in an unfinished development? And how would an HOA care for itself in a partially complete community? Poll answers are great, but personal input is also greatly appreciated.