One of the remedies HOAs typically possess is the ability to put a lien on your property. The end game to one of these liens can be complicated, but losing your house is among them.
There’s like 5 intermediate steps you’re just sort of glossing over there. This is like saying the inevitable result of a paper cut is losing the entire arm to gangrene.
HOA will put a lien on your house, you won't even know it, eventually when you don't pay it, they'll take your house through the courts. Happened to a friend of mine and almost happened to me until I sold my house and got out of the HOA. I'll never buy in an HOA again.
